CitiMortgage
Reviews and Complaints

This happened to us, I finally found a lawyer in FL that can help us, you should give Ken Gilman a call, [protected] Gilmanlawllp.com There are lots of people that have been affected by the excessive escrow fees, I am ready to fight back! Tired of being taken advantage of by mortgage companies like CitiMortgage.

It's time to file a federal complaint against Citi. Go to the website of the Comptroller of the Currency and of the FTC; both have complaint forms. Visit the website of your Secretary of State; there should be resources there to report mortgage fraud. That's what this is - FRAUD. Before you start on the forms, write out a simplified timeline of what happened to you - it will make filling out the forms easier. Citi doesn't care if we sue them; they have dozens of attorneys on staff. What they DON'T want is to have to defend countless federal complaints. Make the effort, and make Citi pay!

Has anyone had anything resolved from Citi? I have the same problem...it has been going on for 2 years... I am now so stressed out and on stress meds...My house note has Doubled because of this Tax issue and Citi just paying...
Help!

I am having the very same issue right now. I cannot get anyone to help me! What do we do? Where do we go? Citimortgage paid a tax that was not even for my property and it was 3 times what my normal tax will be. The County is suppose to be sending them the portion back that was over paid however, what am I suppose to do in the mean time? Who can afford a $2000 house payment in which they went up on due to the erroneous tax payment. I have gotten a lawyer involved and that doesn't seem to make a difference. I cannot get past a customer service representative to speak to anyone in authority...What are we to do?

I agree with you.Bought my house 8 months ago with a fixed APR for 30 years...I just found out that in this month they increased my escrow by $700.00 dollars and they do not why! They told me that it was because when they appraised my house they made a mistake and appraised it for less when they should have done it for more. Now my payment is high and I can't get a person to help me.

we wnt through this same thing. husband lost job could not make payments, tried for help and got nowhere. making homes afforable, every progam available, with no help at all. we want to keep our home, please. agree to help somehow. we live on social security now both of us retited because we are disabled. we have tried paying so much a month for a few months they told us we do not make enough to pay for house. we are willing to pay something, if we have some money to live on and for utilities.

I had the same experience with them... payments returned and being referred to their lawyer (as if they dont have any control over what the lawyer is doing).

Having been forced to fall behind in my payments due to a hardship, I applied for HAMP from Citi. I was promised the resolution in 30 days. It has now been three years and still no resolution. In fact my payments have been increased two fold by CitiMortgage.

I have complied with all the required submissions and now have recived a notification that the attorneys are selling my home at auction in 60mdays. I have not received a judgement or anything other than a letter from the attorneys.

can someone please help?

John Dale
[protected]

CitiMortgage is the worst company I have ever dealt with.

They have had me behind for months when I am current. When I get a job the first thing I will do is refinance with someone else. This is the most unprofessional company I ever had to deal with.

I too have been harassed by Citi Morgage. They informed me in August that my taxes were delinguent. The taxes in Bibb County are due in two equal payments on Oct.15 and Nov.15. Therefore how could they be late? Well, It did not stop here. I contined to get letters and I continued to talk to the customer service dept. Finally in January I was informed That I had been set up on a mandatory escrow . I am 79 years old and had my daughter take me to the tax office. I gave permission for the kind lady, Mrs.Renfroe to talk with someone from Citi Bank. She explained to them that My taxes were never late. She let them know Bibb county due dates. Needless to say Citi morg had sent a check paying my already paid tax bill. WHAT A MESS? At this time I can not get an apology out of Citi Bank . They are still referring to my taxes as extremely Delinquit. SOMEBODY PLEASE help Me!

This is not legal advice, and I am not acting as anyone's attorney. Here is what I would do in this situation:

If CitiMortgage is calling my cell phone:

1. I would mail CitiMortgage a certified return receipt letter and inform them that I am revoking consent for them to call my cell phone. When the return receipt card comes back to me, I would save it along with a copy of the letter.

2. Check to see if it is legal to record telephone conversations in my state. If it is, purchase a recording device and begin to record all calls, especially the early portion of the call when the recording asks me to hold for a representative. There is no need to stay on the line after recording that part of the call.

3. Take photos of my phone CallerID, showing date/time of each call.

4. Keep logs of the calls, times/dates.

The above is what an attorney can use to help me sue for the caller violating the Telephone Consumer Protection Act, which provides for $500 to $1, 500 for each call made to my cell phone after I revoke consent with the letter described in #1.

This only applies to cell phones. I might also be able to sue them for invasion of privacy or infliction of emotional distress, if the calls were frequent enough, even if they were only made to my home phone.

No one is allowed to legally harass me by calling me a dozen times per day. Owing someone money does not allow them to harass me.

I've finally had enough. I googled citibank and harrasment and this is the first place I found. I don't have to even explain the problem because it is the exact problem listed so many time here before. I have always paid my bills and never miss a payment yet they feel they have to call me constantly even after the payment is made. Count me in on any class action lawsuits or movements to criminalize Citibank. They have lost one great customer... me. I will pay off the measly loan soon then they will never have me as a customer again.

I just emailed this to Citibank...

YOU ARE IN VIOLATION of the Fair Debt Collection Practices Act!
Stop calling me when payment has been made! AND IS NOT LATE!

See #5
U. S. Fair Debt Collection Practices § 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

I too have had a CitiBank mortgage for four years. They have ALWAYS received my payment within the grace period, and I have ALWAYS paid from $20 to $180 EXTRA toward my principal amount. And yet today, they call me at my desk at work, with a number of coworkers within earshot, and they ask me when they can expect my payment, and how much I will be paying. They also wanted my email address and my cell number. I told them I don't have a cell phone, but that I would let them know when I have one. (Just how stupid do they think we are?)

Unfortunately my original mortgage was sold to CitiBank, so I have had no choice but to do business with these people. But believe me, I am going to double or quadruple my payment pay off this mortage as quickly as possible to keep them from making money off the interest, and I will NEVER DO BUSINESS AGAIN WITH CITIBANK.

Surely the name "Sanjiv Das" must translate to "Ebenezer Scrooge". I pity everyone who falls into their trap.

OMG I thought we were the only ones! Like there was some sort of glitch in the system. Our payment is due on the 7th, with a 15 day grace period making it due no later than the 22nd and I have it set up through THEIR website to pay automatically on the 15th YET they still call and harass! We have excellent credit and we have never, ever been late with a payment. I think they are bullying us into not taking advantage of the grace period because they know we can actually pay it "early" if we wanted to...I'm not giving in. They can continue to wait for their payment. I would LOVE to see a class action law suit against Citi.

Everyone, please make sure you file your complaint. I think if the number is overwhelming it think something may happen.

same experience here, with different citimortgage personnel. i also thought it would be simpler to just refinance with citibank since they were my current mortgage company, but i've been waiting since dec. 26 2008 for my refinance to get finished; in the meantime, of course, i could have accepted better offers. i've had to fax in paperwork more than once, phone calls go unanswered and unreturned; i'm about to just write off my $500 application fee. i've wasted more than that on having to pay my old monthly mortgage instead of a refinanced one for an unnecessary four months.

I would jump at the chance to join a Complaint against Citi-Bank. They are crooks of the first order. I pay periodically throughout the month on my small mortgage with them. I live near a CB "banking" site and walk in my final payment each month near the deadline date, to make any remainder payment in cash. I save the receipts due to past bad experiences with them in making cash payments.
They have begun to refuse to accept my final payment of the month, as it is less than the mortgage payment, because I have already paid the rest of it previously that month.
For example, through another bank, I make about 2 payments of several hundred on my mortgage each month and then walk in a final payment at the end of my payment period. These 3 payments either equal my mortgage or are slightly more than my mortgage payment.
I have begun asking them for a writing refusing to accept my payment.
Now they are saying I have an escrow account attached to my mort. for property taxes, BUT I pay my own property taxes and have checked with the County. The County says I have paid my taxes and on time. They said about 5 mths ago they received a check from CB for my taxes and that they immediately returned that check.
I have spoken with CB and notified them of their error and now they are saying my mortgage payment in full, is in a side account and my payment is late, because I have not paid the escrow amount.
On top of all this, the new manager at the bank has physically threatened me when I was attempting to make my payment, which they were refusing to accept. I was irritated, but never raised my voice and the clerk and I were doing fine together.
Additionally, when you log out of CB online banking you are not actually logged out! There is a minor inconsequential question after you log out, like, do you want to go paperless. If you ignore that question and move on to another website, you can hit the Back button and you will be in your CB account. Anyone can get into your CB acct for about 20 minutes, at which time the system finally closes it. I have complained about this to them for years, but they don't care.
This bank is a joke. They do not seem to understand the most basic things about banking or accounting.
Sign me up for lawsuits against these crooks.

I have had the same problem since august of O8 they keep putting my payment in escrow and then when i go to make the next months payment they would tell me that i am not current and that i am a month behind I DONT EVEN HAVE AN ESCROW ACCOUNT! and i would spend all day long on the trying to get the mess fixed and they would pass me from person to person and every person i talked to told me something different heck one day i spoke with twenty people and each one of them told me something different not one person told me the same thing twice . I also got ID numbers and names of every one i spoke with it still didnt help and as of march of this year i filed bankrupsy chapter 13 just so i could hold on to my home and i have only been in it for six months and citimortgage has tried to change terms of the loan by upping my mortgage payment and saying they are paying my land taxes and home insurance . I have been doing that all along myself ! What gives

I am going through the same things as mentioned above. My mortgage was okay until May, 2010. Up until May, my payment was $912 a month. I was late sending in the May payment. They rec'd $950 on June 6. On June 1st, my payment increased from $912 to $982. So, they didn't apply my $950 payment to May, as they said it was not the entire payment. Instead my payment went into a "unapplied fund" account. I sent $1, 000 in July and another $1, 000 in August. Actually thinking that I was paying more than was due! HOWEVER, my payments for three months of $2, 950 are all sitting in this "unapplied fund" account. AND, this week I rec'd a letter from their attorney that my house is in foreclosure! I have called Citimortgage numerous times. Yes, they agree that this should never have happened... however, they can't do anything and I cannot get through to the Foreclosure Department. HELP!

This is happening to me. In the past two months, I have attempted to submit 4 separate payments through the citimortgage website. In each case, the payment was noted with a confirmation email. In each case, I received an additional notice a week later stating that the payment had been returned. But the money was available in my checking account, and my bank shows no record of a request for the funds!

This is not an error in entry of my checking account or routing number. 3 of these payments were submitted using account information already stored with Citimortgage, which had been used successfully in the past. The 4th payment was submitted while I was on the phone with my bank, and I confirmed my checking account numbers twice.

I have been charged $250 per month by citimortgage for fees and penalties. I am being harassed by phone 3 times per day. My credit score has dropped by 150 points because of the resulting late payment status on my mortgage account. I am now seeking a lawyer to help me address this.

I also have a problem with Citi...I have been making my current loan mod payments...out of the clear blue I get a foreclosure
letter...the funny thing is...my home burned down in Feb 2010...Yes let's give the banks more American money to party on
why not...? They really seem to know what they are doing...Remember this ask the bank to produce the NOTE...chances are...they do not have it...espicially if your loan has been sold more than once...mine...5 times...
Let's do a class action lawsuit against Citi...a bank that services Freddie Mac...

Would love to be involved in any class action suits...check out our blog post about our situation! It's a mess! http://www.themommymentor.com/?p=677

same problem

My husband and I had a similiar problem where they did not apply my payments and refused to correct the matter until we involved a lawyer.

My mortgage also was bought out from ABN Amro. This is what I went through. You have to be tough with them. I am still struggling with them, but there are some helpful hints in here as far as getting supervisors and such. I am on the phone with Citimortgage right now. I had applied for a loan modification. Was turned down and then they apparently approved me without notification so when my payments arrived they just put them in Unapplied funds. I just found out by accident they hadn't applied them. I have spent 2 hours today getting my funds reapplied correctly and my late fee waived and making sure that they didn't affect my credit report. It has been a 6 month nightmare dealing with them. It has ben so bad that I put my entire phone log from Jan 29 to June 10th I believe up on the CNN mortgage blog. And I have about another page more of phone numbers. Make sure each time you talk with someone you ask for their ID number. At least then you know who told you what. I also make it very clear every time I talk to them and take their ID that I have been keeping a log and posting it on the CNN site. Just insist on a supervisor and keep taking names. Eventually you do get one. You have to be downright sarcastic but it does work. I've spoken to 3 just today. Finally they have fixed thsi months payment but I am not optimistic about not going through this every month from here on out. Keep a log of every phone call and what was said, time, date, name of employee and ID. I don't know how I am going to get someones attention at Citimortgage but I am going to try to get someones name that I can report this to along with finding a banking commission or someone else that oversees them. There has to be someone!

My parents have their payment made by their CPA on the15th of each month. Citi is saying the May payment is late and there is a late fee. That check has cleared the bank. They paid the late fee and it has cleared the bank. They now will not process the June payment until the late fee has posted. They are holding out so that the May payment will be late thus another late fee. They had no problem until Citi took over their loan.

We agree with you completely on the Citi Mortgage NIGHTMARE... and to think our government bailed them out with our money is even more frustrating. We have been going through the modification paperwork only to find a big IF you qualify after making your 3 months of trial period payments on time. Then there is no promise that your payments won't be higher then they were before the modification...what modification. I have been reading through all the complaints about Citi Mortgage and I can't believe that they get away with this kind of nonscence. They also want to escrow in our taxes and ins. with our payment and to be honest...they can't even take care of our mortgage let alone the taxes and ins. It is obvious that someone in higher places then us little homeowners needs to do something about this problem that we are ALL having with them. Minnesota Stressed

Have you goin in person and talked to someone to get this mass cleaned up once and for all? I dont understand why they are doing this to you. You have to fight them, there must be some kind of mistake. Good lucy too you. Keep me posted on what you do and when you get it done.

Raluca Elena Saturn

I received an insurance check made out to me and CitiMortgage for loss of my roof and other hail damage which occurred in July, 2011. They have delayed and stone walled with paper work, many different answers, inspections, outright lies, and everything that happens requires 3-7 business days. They are in fact delaying payments because every day they have all this money is another day for them to collect interest from your money. AND THEY HAVE A JOB BECAUSE OF OUR TAXES. IT IS THE WORST CUSTOMER SERVICE I HAVE EXPERIENCED. I HAVE PAYED FOR THE ROOF AND OTHER REPAIRS, AND YET THEY REFUSE TO RELEASE THE MONEY. I had the same problem with them in 2009, and did not get a check for over 6 months. I am contacting my Senator and my Representative. I want to know which Federal agency has oversight on a company that the American Taxpayer had to bailout, and one which is an "International financial conglomerate" according to their own website.

I have a similar problem with CityMortgage. I started my claim in July of 2009 and as of today, December 8, 2009 the contractor who roofed my house and the painting company who painted my house after a major hail storm have still not been paid. It is almost laughable because each time I call them they say that they need another paper which they say they do not have. These are papers I have already sent them, and of which I have a copy. They keep asking for small changes to be made and the papers sent again on the pages they do have.

I feel sorry for my contractors because they have done the work expecting to get paid, and the mortgage company refuses to pay them. In this case, the mortgage company does not even need to send me money, just pay the contractor...yet they stall and delay.

Very unfortunate situation! If there is an option out there to NOT use CityMortgage, I highly recommend you look there first.

Check out this free service

www.myrecoveryresolution.com

they handle the checks and you don't have to call the mortgage company once!

I live in Houston as well and I have been given no help from this group of [censored] bags. Prior to my claim check arriving I called and was told that they would only pay half out on the first draw. That did not cover the cost of the roof and as a contractor and inspector I put it on the back burner till I could get my company back together. When I did send them the check with a letter bagging for the total cost of the roof I was told that after completion of my roof that they would pay out the rest and we would be done... I later received a call from my insurance company telling me that they had tried to get the check cut directly to them.

Today I was told that in five to seven day I could expect a call from the inspector to set up am appointment to look at my roof. I fund this over the top and asked to speak with a supervisor. I was told that I had only called in 5 times prior and that he did not feel I was receiving poor service. After reading others I can say he was right about that. They then told me that the job was not 95% complete and that the inspector would have to let then know what was done. Now for the good part… I can ask for an other exception for some more founds (maybe I will get the money? Maybe I will not). I pointed out that I paid for this insurance and after checking with the insurance company I was told there is no law requiring the check to be made out to both party’s
I have had it with this company… I plan to file complaints with the BBB… and write the state about this... This is un-real.

i can copy jane j's comments to the letter and be writing about my experience. i would also like to file a bad faith claim against crummymortgage. any help out there?

My experience has been EXACTLY the same. In December I was required to forward my endorsed insurance check from damanges due to Hurricane Ike to them, which they have held since then. I have complied with every form, every requirement, and they have continued to either require additional documentation (the roofer's proposal then became a "signed" contract with both our signatures); they denied a signed form because I forgot to enter the date, then never bothered to inform me that the process had stopped because of that. I have kept a massive journal of the phone calls and supervisors I have spoken with. I was told that as soon as the inspection and repairs (all of which were completed weeks ago) were complete, the funds would be released, and that a check would be issued to both the roofing company and me to endorse, and I assume the remaining balance to me (I had already done the repairs with my own money, had their inspector verify that 95% of the work was complete, another requirement to release the funds), overnighted. As of last Friday (March 13) I was told that the claim was complete but that it would take 3-5 more working days to process (that's what they call overnight?), then sent out FedEx, meaning as early as yesterday, or as late as tomorrow. This morning, after calling to check on the progress, I am told that the claim was approved 3/13, sent to accounting in Maryland, cut on 3/17 and has to be sent back to the Ohio claims office for MORE approval, and hopefully FedExed then, and it could be next week before it is received. In my furor, I forgot to ask why they are only referencing ONE check. I asked the supervisor to please personally follow up to make sure it is not held up again, and she offered to call me as soon as it is overnighted. Big help. It's misleading, fraudulent and bordering on criminal. I have yet to have a conversation in which more delay, more processing, more forms, and more requirements are not the case. This is a HORRIBLE HORRIBLE company and I would like to be a part of any lawsuit or complaints to the FTC, for what it's worth.

I had this issue in 2008 and CitiMortgage is attempting to force flood insurance again at the end 2014, due in January 2015.. I also have a letter from FEMA and CitiMortgage agreeing that I am not in a flood zone. Is anyone else getting these letters again from CitiMortgage again?

This company's customer service line is the absolute worst. I have tried to speak to someone about signatures that were forged on a recent mortgage re-modification but I was transfered 6 times and each time the person was ruder than the previous person. None of the 6 gave me any kind of customer satisfaction. I guess they don't acre whether they are getting my money illegally, just as long as they are getting it. Just another scam. Thanks Citi-Mortgage!

I had the same issue with Bank of America. Every year I would have to fax documents about 5 to 6 times every year and be on the phone for hours until months later they would finnaly get my flood insurance squared away. Just to find out I would have to do it again year after year. I finally got a LOMA (Letter of Map Amendment) which will cost you around $300 dollars (for a Proffesional engineer land surveyor) and a little running around town to get some local maps. But its was worth the $600 flood insurance bill I had to pay every year, every since they decided to triple my coverage! I believe the banks and flood insurance companies have come up with a good scam to empty the home owners pockets legally?!

Wellsville, get your property off FEMA. It's not that expensive. You get a survey, send it into FEMA. they remove you. Here's a response from another forum:
/URL removed/

In case you haven't already, this issue does not get resolved unless you apply for this Letter of Map Amendment from FEMA. You have the biggest headache out of the way (the elevation certificate), so file this with FEMA and you should get an answer back within two months. The surveyor is not liable if your property is flood damaged; the lender is. If Citimortgage has any question about whether its collateral is at risk, it will protect its investments until a higher authority (in this case FEMA) states flood insurance is unnecessary. Many surveyors also incorrectly state the flood risk of the property. Also, once you get this LOMA, speak with the insurance company about getting reimbursed for some of your premiums paid.

Finally, a WYO policy will be cheaper than the force-placed policy from your lender. They are required to rate to the maximum risk. Your agent should write a policy matching the lender's finding until a LOMA is produced. This is all covered in the Mandatory Purchasing Guidelines that lenders follow.

http://www.fema.gov/library/viewRecord.do?id=2954

I have my mortgage with Citi. It is not by Choice, my mortgage was bought by them. Well anyhow long story short, my flood insurance was at 52, 000 of coverage, the house is only assesed for 47, 500. This insurance has been inplaced since i purchased the house in 1994. Citi made me increase my flood insurance to 140, 000, which by far is way to much for flood insrance. The only thing that it covers is water clean up, and the furnace if it is in the basement, and it has to be documented that the river is what flood my home, it cannot be back up of ground water that caused it, which in the area that I live in is going to be what happens anyhow, the river is over 1/2 mile away, and will never back up to my house. But from the flood of 1972 FEMA came in and said that the property that I now own is in flood zone A. but my backdoor neighbor is not, they are in flood zone B and do not have to carry flood insurance. and that house is with in 50 feet of my house and the land is flat. I did call Senators office, and they said if I want to hire a survey crew and do the paper work with FEMA I could possible get my home removed from the flood zone. Like i really have the money to do that, not. I also did ask them if they have the right to set the amount of flood insurance on a home and they said that there really is not Federal law under FEMA that limits them to the min amount, but they can set there own guide lines for the amount that you must carry, up to 250, 000 is the max flood insurance that you can have. Now Citi has increased my mortgage to the point that my escrow account is 2 times what my actual morgtage payment is. My wife and I talked, and decided that we must either sell the house, or try to find a mortgage company with different guide lines for flood insurance. I cannot afford this much each month, the thing about it, is that citi does not even get any of that money for the flood insurance because the rates are set by FEMA and all of the money goes to them, because I got my extra insurance though my private insurance company. If anyone knows any federal laws or state laws for New York that can limit this from happening please post a blog here I will be checking back, and if I learn more I will post again

Wellsville NY

I am searching for a mortgage to turn my HEL into a fixed rate mortgage. I have looked @ BOA, BankAtlantic and Citibank. They all pretty much the same, but when I googled problems with each one of those banks, they ALL have compliants in the hundreds. Any suggestions?

Having the exact same problem with citimortgage. How do we get help?

We have just joined the Citimortgage Flood insurance scam group (victims)...policy charges just quadrupled. Low loan balance (45, 000), no real problems for years with them, and bang! here they come with this.

I've been reading now lots of accounts of very similar circumstances...but no mention of recourse taken, solutions found/made.

Any advice to the best course to get these criminals off our backs? It's frightening, as it seems they're capable of doing a lot of damage.

Citimortgage did the same thing to us. We pay our own taxes and insurance. We had $170, 000 in flood insurance on a house worth $125, 000 (by County tax appraisal) and a loan balance of $30, 000. They insisted we raise our insurance to $225, 000, but with two hurricanes in the Gulf, one right after the other, there was no way to increase insurance amount. Citimortgage took out a separate polity and is still trying to get us to pay the $72 in premiums. We have refused to pay the additional escrow amount each month, so they count our payment late each month and have threatened to return our payments until we pay the $72. The next thing will probably be an attempt to foreclose...

I also had problems with Citimortgage they returned checks to me saying that that account did not exsist so and that my named did not either so I would use my social security and that also came up non exsisting .For over a year I dealt with this problem I spoke to various of people on the phone and all from different states and none of them could get the problem solve I have been with this company for only four years and it has been nothing but problems I did not exsist for over a year and know all of a sudden they get a big chunk of change from the government and know I exsist and my house went into forclosure I have had medical problems I have a brain tumor and MY partner went through quadruple bypass surgery a couple of years ago, this problems with citimortygage do not help our physical problems we have a daughter who is 9years old she is seeing all the stress that we are going through someone needs to do something about this .

I have an ins check to fix the roof on my house.. I have to send it to citi mort ..but because I am in bankrupcy and its not on the house I have to down load some papers off this site to send in with the check Then the check is going to be held for a while until approved by someone? I cant find the forms on this site that they want.. does anyone know how to find them? I need help..

we to have never been late, spent 75 min on phone trying to resolve it I asked that a copy of my conversation be sent to me after the 4th person a Nicki employee # nl86247 did I get some place I said these calls started after I had asked about refinancing with them she slipped up and said that triggered the calls I responded you are profiling me because I asked for a lower rate she became quiet I said maybe congress will like this I told her to be sure our taped conversation to be sent to me she said they do not send copies of calls I said we will ask for the tape in a discovery motion for 24 mo my payments have been made eft on the 13th of the mo just like it was with AB Amro were my mortgage started we all need to come together and make congress stop all companies from doing this Larry

These guys are HORRIBLE. I will NEVER have any dealings with any branch of Citi as long as I live...and I intend to close my Bank of America accounts as well. I've been out of work since Jan 1...this is the first month that I haven't been able to make my payment - 3 DAYS after my payment was due, the phone started ringing and hasn't stopped! Multiple hangups...calling at all hours...just had another call today (SUNDAY!) and another hangup. Nice that they disturb my Sunday with a hangup. Thing that infuriates me is that I have been COMPETELY upfront from the beginning - told them that I am out of work, don't know when (or if) I can make the payment - I'm trying the best I can. You would think with that info, they would call off the dogs, at least for a week or so...the phone RINGS and RINGS and RINGS and RINGS. Like they're expecting the story to change 40 minutes later. Then give me the BS line that "they can't stop the automated system". BULL! Someone designed and maintains the system...FIX IT! Give me a break...I'm not even 30 days behind. Can't wait to see what happens with these jokers then. I'm going to complain to the FTC, FCC, Atty General and anyone else that will listen. This is nothing more than HARRASSMENT. I wish I could find a lawyer to go after these vampires.

Same problem here! They are driving me nuts. Half the time the recorded message hangs up on me, like they know they shouldn't be calling. I have called customer service several times, one person said the phone calls would stop, yet after 4 calls, I had to call again to complain. I was told there was nothing they could do. I am currenltly trying to refi out of Citi - I can't stand it anymore. Go bother someone who has had a late payment and leave the good customers alone!

Same here. Citimortgage constantly calls us, even though the payments are not late. Plus the try to over charge us for escrows. They have sent me an escrow notice stating my payments are going up effective April 1st by $110.00. My insurance increased by $13.00 a year and my real estate taxes have not increased. How can my payments go up by $110.00 a month for a $13.00 year increase? This is similar to what they did last year and it took me 6 months to get it straight. I have asked to opt out of the escrows - but I have yet to receive a phone call regarding this option. We shall see.

I've been with this mortgage company for years and they sent me information about lowering my interest rate. I called them and went ahead and applied for the loan. At the time, speaking with the representative he basically told me there would be no problem lowereing the rate. He also ask if I wanted to apply for a credit card with no interest, so I did and recieved a card. I then recieved a denial on my Refi loan, which costs $415. I have never been late or missed a payment, so I called and basically told them I thought this was a scam to get $415 to make for the loan they recieved from the government. It just seems strange to get denied for a lower rate but at the same time get approved for a credit card. I would not recommend this mortgage company to anyone. They didn't even try to explain themselves. Shame on them!

Spent 2 hours on the phone trying make an arrangement for payment of interest only.
FIRST representative said I could make the payment of principal and interest and not escrow IF I made it immediately and with a $25 dollar fee.

SECOND representative Could not understand a word they said.

FINALLY got hold of collections and was told that the information that I had received about a short payment was not correct and that they had no provisions for paying in this manner.

I decided to send the payment late, big mistake, they have been calling daily about it and at one time suggested we send a POST dated check so that it wold show that we payed on time. I'm sorry but I don't think that is legal and not very professional on their part to even suggest it.

Didn't the federal government just give them billions of dollars and look at the way that they choose to treat people

I was just informed by CitiBank that my mortgage is going to be serviced by a bank I have never heard of. This seemed to come out of the blue but made sense later. I had to send an insurance check for them to endorse. It was for water damage and repairs. The check was sent off but took almost a month to get the check back. First of all I have no idea why they need to sign off on a check when they do not pay the insurance. I pay it through an escrow account, but it is still my money. When I called to find out the status of the check I was told by the service representative he could not answer my question because he was not able to contact the Insurance Division. So here you have a multi-million dollar company (bail-out money?) where one Division can not communicate with another. The representative also lied to me stating he told my wife about the status of the check. it is a lie because 1) it never happened 2) it didn't happen because they would not give her any information because she is not the primary on the mortgage. So I proceeded to rip this guy a "new one", then ripped his boss a "new one". I get the check back a few days after the heated phone call, then I receive a notice they have sold my mortgage shortly after the phone call complaint. very little information was provided about the new bank. The bad part about this is just before receiving the "notice" i had to send a second reimbursement check for endorsement. Yes I was angry, mostly because no one knew what was going on and they can not communicate with each other. Maybe I will be better off. If I am not mistaken CitiBank took a bail-out. There company moto must be the best customer is no customer at all.

Reading the complaints about Citimortgage and my own experience convinces me to move forward with a reverse mortgage on my home. It's not my preferred solution, but removes my property from any association with this company.

Like many of you, I lost my job at the end of 2017. I owe about 40% of the value of my home even in these hard times. I made a good living and chose an accelerated mortgage schedule 6 years ago resulting in large payments, but less than 15 years to pay. My bank of many years arranged the loan and Citimortgage acquired it about 3 years ago.

I am completely current on my payments and could remain so for about a year, but then all my cash would be gone and I'm 62 with little hope of employment at that age. I'm familiar with the government plans to help homeowners. As a result of those programs, I found that my mortgage was a Freddie Mac and called to inquire about options. Citimortgage's customer service person descended into a "yes it us --- no it isn't" exchange while my laptop was connected to the site that clearly showed that my loan was Freddie Mac. When I finally convinced him to look it up, his reply was "so what, we don't have to offer you anything."

The US Government circumvented our tax dollars earned now and in the future through generations of my descendants to guarantee hundreds of millions of dollars in bonuses to the CEO and others of Citimortgage like the one that I had a conversation with. I will be happy when not one penny more of my money supports this company and hope that our government or others of passionate disgust with this corporation destroy it and render sterile its very existence.

Where do you start with this place? Two years ago I took out a
fixed rate mort. with a local company they sold it to citimort.
and my headaches began I have been through trying to understand the employees. Loss litigations you name it all to no avail they do not write anything in their computer when they tell you something. My mort. payment went from 710.00 a mo. to 850.00 with no explaination we finally are so fed up we put the house on the market now they tell me they will defer payments until the sale except the girl that told me that never wrote it down and I did get one wonderful girl Nicole who appeared to want to help she found the first girl but she is in Costa Rico my house is in TN gee don't get that! but she said "I'll call you as soon as I reach her and settle this" well it's 3 weeks now so I call today to speak to cust. service my payment is behind so I can't talk to anyone but collections they will not transfer or help you with another number the girl I spoke to would only tell me her name was Heather she got VERY rude and hung up on me well I'm about to loose my house and she hung up on me! This company is by far the worst I have ever seen. I can't get another mortgage because they didn't defer they marked me late and now my credit is bad. So I guess real soon we will be living in my car. and Citimortgage will have my house.

My husband got laid off and we are having trouble our mortgage payment and have called for 3 months and have gotten no help so far. Everytime we call we get india which they can barely speak english and have no clue how to help us. We are hardworking americans and are trying to keep our house but are getting nowhere with citimortgage! You see people that don;t care and are just walking away from their homes and here we just trying to do our best and the right thing and are getting nowhere. You keep hearing how the government is giving citimortgage all kinds of money for bailout and how they are suppose to be helping the working class - this is a joke and where is all the money going - my guess is to the people that don;t need it and are getting richer off of us tax payers. Basically who cares about the working class people! This has been so stressful for my husband and myself that it is starting to affect our health! Once again who out there basically cares. Why even bother to do the right thing because we are getting nowhere. What happened to caring about the american people! Who are these people from india and why are they answering american phone calls for help! Why would they care about us! Somebody out there better start sticking up for the american people before we are all destroyed.

I had called to make a change to our home owners ins and was told I was not able to make any change that I was not on the account I told my husband and he called citimortgage and told them to put my name on this account so that I could make any changes that we saw fit and we were told they would send a paper for him to sign to update our information and never received anything and when we call we better have at least a hour or two to be on the phone and we have two homes and the one is with another company and we never had an trouble with them if anything were to happen to my husband then what I could to nothing with this account ? This is crazzy! We need this fixed and citimortgage doze not care.

I started the same thing with CitiMortgage back in April 2017. I actually thought they cared, because I too was one of those that cared about her credit. I had lost my husband of 20 years to cancer and was left raising 4 sons on my own, with two being in college. I called Citi and was told they couldn't help me because I was current on my payments and had never missed one. So I fell hook line and sinker when they told me, we could help IF we put you on a Forebearance Plan for 3 months at a 20% reduction in my monthly payment and change the due date of my loan by 25 days and take a relook in August. But by the way, don't pay attention to that park where it asks for the balloon payment at the end and your credit won't be affected. I was thrilled! Here I am in September and have never received not one call from them...I called them every day/week up until August and to this date, have never received a call from the Loss Mitigation Dept or my counselor. BUT I sure have from collections, even on Sundays. I have gone thru every single scenario from people on this site. All I can say is CITIMORTGAGE YOU ARE CROOKS AND COULD GIVE OR CARE ABOUT ANY OF US. SEE MICHAEL MOORE'S MOVIE AND YOU WILL UNDERSTAND! Who ever that person is on this site from CitiMortgage is PAID to monitor this site I guaranteed you, because WHY, if she supposedly works so many hours would you want to come home to read this and you have children and are a single parent? SHAME ON CITIMORTGAGE FOR DOING THIS TO PEOPLE! I have cried so hard that I don't know what to do. I ended up with heart palpations and ulcers. I have decided to not fight this any longer and have just stopped making payments. My sons need their only parent and I need my sanity to go on.

We sold a rehab house on Aug 5th of 2017. Citimorgage had bought the Mortgage. At the end of August we got a collection call demanding a mortgage payment and in September another. Citimortgage lost a Check from closeing for $122, 000.00 dollars. They signed for it and then asked our Title company for another. The title company sent another check which they refused to accept. They wanted intrest for the missing check time, the check they admitted to loseing. They then put 2 late mortgage payments on our credit. We now have the government regulatory commision involved. Today in the middle of all their stupitity and dispite our undisputable evidence we got a letter saying they just can't help us. The letter is unsigned. Dispite our plees it seems no has even looked at our situation for more then a few seconds. This $122, 000.00 check was not the only one they lost but it is the only one we can prove. Even the title company laughed when they heard this story. I'm not laughing. Stephen Brockman

In Sept.2017 the heat and air system went out and needed replacing and with winter coming there was no choice. The company that carried the insurance on the unit was a total failure so we asked for assistance from Citimortgage. We did all of the paper work, faxed it and began to call after a week or so to see what was happening. NOTHING! Collections has hounded us as much as 8 times in one day as early as 7:48 AM until 8:41 PM. We have been assigned a councelor, one Eric Barnes, but we still haven't heard from him. Our account was not supposed to be turned over to the credit bureau as deliquent but it has been, the company that installed the heat and air system pulled our compressor because in December a creep named John called from Citimortgage and made horrible threats and called us terrible things for not making our payment so we made it. We could not afford to make the payment on the house and the heat unit so the compressor was removed until such time we could pay for it. Because the house got so cold we had water pipes break and the basement flooded and I lost one of my cats because she couldn't handle the cold. I personally have spent almost a month in bed because the cold gave me pneumonia and the Arthritis in my spine has acted up so bad that I can only walk from the bed to the bathroom and then I can't pull the toilet paper off of the roll as my hands are swolen to badly to close my fingers enough to pull off a piece. Still no call from Eric Barnes but dozens of them from collections and a credit score that will never allow us to buy another house, car or anything. To top it off our daughter needs another student loan so she can go for another semester of college. FAT CHANCE OF THAT. She's 18 and will have her Associates after this semester, she's an honor student with a major in Psychology and a minor in criminal justice. She wants to work with the FBI. Citimortgage is just a dream of a mortgage company. We've gotten a dozen lies and promises from everyone we have talked to at Citimortgage but the records have nothing in writing and there is no help coming from Citimortgage, only lies and grief.

citimortgage needs some good lawer to go in and file one hell a suit because they are screwing people royally and our goverment is letting them get away with it.

we have our property threw citimortgage and i got sick and had to retire so we lost my income, so we couldnt make our payments and their wanting to see us in court.they gave us the run around and we faxed paperwork and paperwork but it was always not enough so now thier wanting it.

We have our current mortgage with Citmortgage. I called about refinancing. They sent all the paperwork then we decided not to go forward. The paperwork clearly stated if they did not hear from us by July 11th, 2012, they would not proceed any further with the loan. On July 13th, I got a call from a local appraiser saying she wanted to set up an appointment. I told her we decided not to refinance. She said she would notify the powers that be. That same day we get an email from the loan processor needing more documentation. I emailed her back and copied the man I orginally spoke to on the phone and told them we were not proceeding. I found out today that on that same day, July 13, 2012, they charged my credit card $470.50. Now we will have to try and play the game you all are playing and get that charge removed. Wish I had seen this page before I called Citimortgage. Has anyone had any luck in getting the credit card charges removed?

Same problem here. Had my mortgage with them for eight years or so and decided to refi. Only asking to finance less than 1/2 of appraised value and they are dragging us through the mud. Close to saying "K...M.A.." but it pisses me off that they took my money and it appears they don't want customers with 750 to 800 credit scores. DO NOT USE THESE PEOPLE FOR A LOAN, YOU WILL GET THE RUN-AROUND AND MOST LIKELY SCREWED.

You all are correct, this is a scam. I too currently have Citimortgage, theyhave been holding my loan for over two years and decided to refinance with them. My credit report averaged around 800 and my income was more than sufficient. And on top of that the house appraised at more than two times the loan request amount in Oct 2009. I got the same run around and poor customer service, Talk about no risk, I agree with all the others if you are trying to be smart about your finances and do the right thing by dropping the PMI cost and lowering you interest rate CitMortgage has no problem taking your appraisal money and making money on that transaction. If CitiMortgage does not make good on this Refinance I will be cutting up my credit card with them and telling others to ditch them fast, also I encourage all of you to file complaints with your State Attorney Generals Office.

Same problem Citi is totally screwing us around with our refi. Going on 90 plus days now. Just called again today to the customer service line (because our loan rep never answers or replies to my email except to say its still in underwriting) they tell me finally that and underwriter has reviewed our loan and we are going to have to drop $4, 300 to refinance due to our appraisal not being 80% of our loan amount. This is complete BS. Originally I was told they only needed a exterior appraisal. Of course this changed at some point so we set up an appointment to have an appraiser come out to have him call the next day and tell me our appraisal had been cancelled. Call Citi on Monday to ask what is going on and of course no one knows why and blame it on the appraiser. Citi then sets us up with a new appraiser to come out different than the man we have used in the past. He is in and out of our house in less than 15 minutes. I know the value of homes has dropped in the last year but he appraised our home for more than $30, 000 less than in Sept of 2008. They have put us off so long I could have gone with the company I used last time to refi took 2 weeks paid a bit more but what I have paid extra in our higher mortgage amount would have already made up for the extra fee. They put you off cause they dont really want you to get that better rate they want that higher payment from you. The only ones that are getting the service there are not their current customers they are only interested in bringing in new clients that they can screw over. I want to report this problem so others know. Just not sure who to report it to other than emailing our local television station. Just got a call from a supervisor with Citi and the reason our refi came back so low is due to the comparables that the appraiser used when appraising our home meaning the other homes he also looked at and what they sold for brought the value of our home down. What the, the houses he compaired ours to were 500 sq feet smaller and over 10 years older than our home. So if I want to contest it I have to come up with some comparables on my own. I have to do this all on my own and submit it, now how much you wanna bet they will still deny the comparables I send in. So frustraiting!

I am going through a refinancing process with CitiMortage through a mortgage broker to get a lower rate. Our credit is excellent, we have equity on the house that's 2 times more than the mortgage refinancing amount. All in all we pose no financial risk to any banks or lenders and they are giving us hell. Everyday there is a different document they ask for. Our rate lock expires in 3 days and they haven't schedule a closing date although they approved our mortgage 10 days ago. I agee, we as taxpayers should demand that these incompetent SOB pay back every cent of the bail out money that comes from your and my paychecks.

Welcome to my world. Citi Mortgage (CitiMortgage) has had our loan for more than 9 years, and we've never been late on a single payment. We've been getting the refi run-around for well more than 3 months. If it weren't for already paying them, their waiving of some closing fees, and a good appraisal, I would have dumped these S.O.B.s long ago! Shame on you, Citimortgage, Citibank, and Citicorp!

What a scam! I applied over the phone to refinance and was told everything looked good, our credit was good, etc. Since appraisers are now chosen randomly to decrease potential for over appraisals, we got a young woman who must not have known the area because she appraised us so low my heart came to a stop when I saw it. We tried to appeal it based on an appraisal from a year earlier that was $75, 000 more, but we were ignored. We then received a denial letter stating that our appraisal is too low and our credit isn't good enough! What? Our credit is fine. I began to wonder why they would want to refinance us when we pay every month ON TIME and we pay a high interest rate! I am beginning to think the only ones who are getting deals now are the ones who are heading into foreclosure and have not been paying their mortgage at all!

I have been trying to refinance since May 2009 and it is now September 2009. My summer was also spent sending them documents that were previously lost, paying more fees, listening to lame excuses and "not my job" lingo. My application fee was $450.00. Everyone in this blog has a different amount.? This is a scam. I was supposed to finally close in 2 days only to have something else go wrong that I will deal with on the next business day. Now they say I need $3000 more at closing for something that was never quoted to me before. I would also like to complain to someone. Scam, Scam, Scam...