CitiMortgage
Reviews and Complaints

I went through the modification process and was denied because, "they could not find an affordable solution". Any solution would be better than the current one. I believe their programs are a scam to make the Government believe that they are trying to help people.

I am having problems with Citi Mortgage too. In December 2009 I signed an application online for a mortgage relief assistance. I was suppossed to receive a copy of these loan documents in the mail and I was suppossed to receive coupon books from CENLAR, which the payments would start 07/2010 to CENLAR. I never received the coupon books. In the meantime I filed Chapter 13 Bankruptcy in 4/2011. I have missed one payment from 5/10 to the present yet according to Citi Mortgage in their request for Relief From Stay I haven't made payments since December 2010. Compleltey false! I have been in dispute with Citi Mortgage over two payments that I sent in last year using money orders as I no longer have a bank account. Theyare not crediting those two payments and cannot account for that money. Thank goodness for receipts! I will present my receipts to the judge whenever a hearing is actually scheduled but they are not honest and I am wondering if Citi Mortgage or CENLAR actually holds the mortgage loan at this time.

I do have a similar story...I applied for a loan mod in January 2008. I repeatedly asked if this move would destroy my credit, the woman I spoke w/ Diane, said NO. My credit would only look bad for the first few months but once (if) the Mod went through, it would be as if I never did anything to "hurt" my credit. I ask OVER and OVER "ARE YOU SURE!" because I did not want to ruin my credit. Diane assured me that that would not be the case. I had informed Citimortgage that my company was going through changes and although I COULD afford my mortgage (and probably could for the next few months) things were headed for a change and i would be losing at least 1, 300 a month due to these changes. She said she understood and I felt she was simpathetic to my problem. I wrote my letter, as I was advised, telling my story of hardship and sent it out right away. I received a call two months later letting me know that I qualified for a Home Loan Modificaion. Diane then asked, " So, what can you pay a month?" I informed her of my situation and told her that I was being proactive but I could still make my mortgage payment but probably wouldnt be able to in the next 3 months...She said, "So...if you give me an amount we can work with it..." I did not understand what she meant? Did she want me to "pick" my mortrgage price? I said, "Well we can afford 1, 500.00 a month? " She said, "OH! well would you say 1, 000.00 would be appropiate?" Hmmmm...well yah Diane, huh? What are you talking about if I said 1500 then of course 1000 will work. I got off the phone I told my husband, "WOW, I think I just got coached!?!" Well, that was just the beginning of a total nightmare that almost cost me a marriage, a baby, and my mind. For TWO YEARS, July of 2010 to be exact, is when I was notified that my loan mod was accepted...this was after a TWO years of lost papers, check stubs, current check stubs, and current current check stubs. FYI to Citimortgage...if you give check stubs and I call... and YOU keep telling me to call back in a week, and I do...then you say you need more current check stubs, I send them...then call back... and when I do you say that those stubs arent current...well DUH! I guss I just need to buld a time machine to go in the future you idiots! Maybe if you would check the stubs when I send them and stop telling me I need to give you the info that, Oh WOW you already had, but the last person that checked my file said I hadnt...ARRRRGH! Seriously people, The last 3 months was people @ Citi telling me that things were going to the "Review" dept. and to call back in 7 days...when I did that they would say that I needed this document, or that check stub...IT WAS UNDER REVIEW FOR 3 MONTHS! One day I came home from work exhausted and crying and told my husband, "Screw it! I dont care if we lose this house. We fight all the time and have spent more money at Postal Annex than this house is worth! Eventually the clouds parted and we did FINALLY get the text that the loan mod was going through. Well now we do pay 500.00 less but our credit report says that we are over 90 days late on a motgage payment...WE NEVER MISSED A PAYMENT! WE PAYED WHAT CITI BANK TOLD US TO! WE COULD'VE PAYED MORE AND THEIR COMPANY SAID NO...how is that fair?

You are absolutely correct. After an agreed upon deferred payment plan with the CitiMortgage department misleadingly called the Home Retention Unit in Rocky Hill, Ct. I was lead to believe my Mortgage would be modified in one of several different plans underway. This was based upon information I gave to CitMortgage when I entered into that agreement. I was told to pay $1080.00 per month instead of my usual $2290 at the end of the month for 6 months and then after August (the 6th month) my loan would be modified in one of several ways increasing the length of the loan, refinancing etc. I was told that they were unsure how this would go since they themselves were just becoming familiar with plans initiated by President Obama. I was concerned about the ever rising tab I was building but they told me I was in the same boat as thousands of others, and that because of the vast amounts of cases they were handling the paperwork was on a long delay. They kept mentioning a "package" that I would be receiving in the mail sometime after August. That time frame came and went and the payment plan was extended from September and on each month through December. I was told month after Month the package was to be mailed to me but was delayed or unexpectedly lost in the system etc. I was reassured each month that I was in the same situation as thousands of others. Then one day in December I was told that Home Retention Unit was no longer in charge of my file. It was now in the hands of Loss Mitigation Unit and the calm reassurance was over. In January I was told that the "package" I had been waiting for all this time was a down-loadable file called the "Customer Hardship Assistance Package" I was told to complete it ASAP which I did. I faxed the 10 page (with supporting Data) file back to Loss Mitigation and after a few days they called me back again to verify a few items on the list. I was put on hold and 5 minutes later I was told I was not a candidate for the Obama plan modification or any other plan for that matter. By now since the start of the agreement in April I was 10 months behind on my mortgage and would need to send them a check for $22, 724.60 immediately. If that wasn't possible the deficit could be repaid over one year along with my usual mortgage payment of $2209.00. The monthly payment on the deficit would be an additional $1894.00 per month for 12 months. This would come out to $4103.00 per month for 12 months. When I asked if this could be spread over a longer time frame I got the "I'll ask my supervisor" and "No, that is not possible" 1 minute later. When Citibank was in trouble they got a far more sensitive response from the US Government. I realize where I went wrong in handling my finances that I had taken on too much debt because I had always been able to consolidate it by refinancing with the ever increasing equity in my home. I was an idiot but one of millions of idiots who didn't think it would end. The people who refinanced just before the crash all are different than me only in the pure luck of getting in before the sky fell. I realize that another group of people are doing alright because they showed the restraint to live within their budget, bravo to them but the economy ran at full rpms on the sub-group I was in or we wouldn't have gotten into this trouble. I can't see the logic of the banks who provided the loans and the needed their own loans to recover now acting judgmentally towards the people who took them up on the loans the offered so freely. I'm not asking for a handout just a reasonable term or arrangement that would repay my loans and not leave the bank with another foreclosure that benefits no one.

I HAVE HAD A HORRIFIC TIME DEALING WITH THE CEO, AN APPOINTED PERSON DUE TO MY COMPLAINT, THE ESCROW AND LOSS MIT. DEPTS. NONE OF THEIR STORIES ARE TRUE OR
CONSISTENT! THIS IS SEVEN MONTHS OF CONFUSION AND DISAPPOINTMENT AND THEIR
DEMANDING MONEY CONSTANTLY, NOT APPLYING THE MONEY PROPERLY, NOT ALLOWING
ME TO SEE WHAT I AM BEING CHARGED FOR (I.E. $15/MO. FOR DRIVE BY'S), REFUSING TO
APPLY MY MONTHLY PAYMENTS TO MY MORTGAGE, HOLDING AS MUCH AS $7, 200 IN A
"HOLDING ACCT" USING MY MONEY FOR FREE...AND CLAIMING I HAVE NOT PAID MY PAYMENTS TO ALL THE CREDIT UNIONS, PROMISING TO DO THE LOAN MODIFICATION WHEN THEY HAD NO INTENTION OF PUTTING IT THROUGH, DOUBLE TALKING AND LYING TO YOU!

I HAVE HAD IT! I HAVE ANOTHER LOAN FROM THEM, PERFECTLY FINE! THIS LOAN ABOVE...

I REQUESTED THE TAXES IN AN ESCROW ACCT. THE PROBLEMS BEGAN THERE! ESCROW CHARGES ARE WAY ABOVE WHAT THE TAXES ARE. THEY CLAIM MY $2, 106 PYMT IS NOW $2, 700! NO
CLEAR EXPLANATION. I WOULD NOT TAKE ONE OF THEIR MODIFICATIONS NOW THAT I KNOW
WHAT THEY ARE PULLING ON THE PUBLIC, IF MY LIFE DEPENDED ON IT! THEY ARE CLEARLY
IN TROUBLE FINANCIALLY AND WANT US TO PAY FOR IT! I HAVE CANCELLED MY 20 YR OLD
CITIBANK CARD THAT HAS A LOW BALANCE, SINCE THEY ARE GOUGING US FOR 15-25%!

IT IS NOT NEW NEWS, THAT CITIBANK GROUP, WHO TOOK THE BAILOUT, CAN'T PAY IT BACK!

I INHERITED CITIMTG. WHO TOOK OVER ABN-AMRO, WHOM I HAD NO PROBLEMS WITH. I OWN
FOUR HOMES AND NONE OF THEM...HAVE I EVER HAD A PROBLEM WITH. I HAD A GOOD CREDIT RATING UNTIL I ASKED FOR A MODIFICATION. THEY SEEM TO THINK THEY CAN CHARGE THE WORLD
AND THREATEN YOU WITH ...ALL THE FEES...IF YOU DON'T CONTINUE IN THEIR BOGUS PROGRAM! WHEN ARE WE GOING TO STAND UP TO THESE LEGALESE THIEVES AND DEMAND
OUR FINANCIAL RIGHTS AND NOT...THE "O" PROGRAM THAT ISN'T WORKING AND NEVER WAS
FOR THE MAJORITY OF THE PEOPLE.

WE THE PEOPLE...NEED TO GET OUR RIGHTS BACK...FINANCIAL AND OTHERWISE AND STOP
BEING BULLIED BY THESE WEALTHY THIEVES WITH NO GOOD INTENTIONS BUT TO ROB US, RUIN OUR CREDIT AND TRY TO STEAL OUR HOMES!
THIS IS AN OUTRAGE AND OUR GOVERNMENT AND SENATORS SHOULD NOT ALLOW IT!

WHEN I ASK FOR DOCUMENTATION, I GET NONE. WHEN I SENT IN A LARGE PRINCIPAL PAYMENT
FOR THE OTHER HOME MTG I HAVE WITH THEM, THEY IMMEDIATELY SWITCHED THAT PAYMENT
TO THE MODIFICATION LOAN PROGRAM AND NOW THEY ARE DEMANDING ANOTHER $9, 000
ONE MONTH LATER! LIARS AND THIEVES! NO STRAIGHT ANSWERS. JUST BITS AND PIECES TO
FIGURE OUT WHAT THEY ARE TRYING TO DO TO ALL OF US. NO PROBLEMS UNTIL I ASKED FOR AN
"ESCROW ACCT. FOR MY TAXES". I ALSO GOT THE "JUST THREE MONTHS PROMISE AND ALL WILL
BE FINE" SEEMS THEY ARE READING THIS OFF A SHEET TO ALL OF US!

WE ARE ALL IN THE SAME STEW KETTLE; HOWEVER, I AM TIRED OF ALL THE LONG PHONE CALLS,
LIES, UNKEPT PROMISES, FILLING OUT PAPERS (FOR WHAT?), AND BEING THREATENED MONTHLY
AND EVEN HUD REP TOLD ME "ALL THEY WANT IS YOUR MONEY!" SHE ALSO SAID MOST OF HER
CLIENTS WERE NOT GETTING THE MODIFICATION EITHER, TAKING OVER EIGHT MONTHS.

I FOR ONE CANNOT GO ON WITH THREATS, AGGREVATION, AND NOT KNOWING WHAT OR WHERE
THEY ARE HIDING MY MONEY, WHILE THEY RUIN MY CREDIT! PLEASE FEEL FREE TO CONTACT ME AND DON'T BE SURPRISED IF YOU SEE ME TALKING TO SENATORS OR ON TV FIGHTING FOR ALL OUR
LEGAL AND FINANCIAL RIGHTS TO KEEP OUR HOMES AND CREDIT IN TACT! ETARBET@GMAIL.COM
READY TO DO SOMETHING SOON BEFORE THE

Just went through a home modification due to the loss of my job . I submitted the hardship paperwork back in September of 2008. I had only missed two payments but needed help catching up. Citimortgage lost my paperwork the first time. I then had to resubmitt the second time. I called everyday and also would sit on the phone for hours trying to get the issue resolved. Finally in Jan 2009 my modification was approved but I had to continue to make my payments for three months on time, which was not a problem. The money that I paid was never applied to my mortgage, but put into a sub- account, thus causing my mortgage to appear even later then it really was. Finally after speaking to at least 100 representatives with diffent stories, my new loan paperwork was sent to me. I sent the paperwork back only to get an additional bill for all the late charges and drive bys to see if my home was still being occupied. I was told in October that this would take 45 days. No one ever called me, I called them. Mind you I was only two months behind, but my credit reflects 10 months of late payments, which is untrue. I have called the FDIC and filed a complaint. I recommend you do the same. This is unfair practice my opinion, that they purposely took 10 months to complete my paperwork thus charging me late fees. I have contacted Citi but they are not willing to remove the late charges which were a result of them being understaffed and changing governement regulations.

My complaint is against CITIMORTGAGE and is related to extreme escalated ESCROW charges applied to my “Un-Escrowed” account around May ’09, which doubled my mortgage payment of $1, 206.00… to $2, 400.00. I had paid all of my taxes by early June ’09 but was eventually locked into escalated mortgage payments due to errors committed by CITIMORTGAGE’S Banking, Escrow, Tax and Customer Service Department(s). In early August CM locked me into projected escrow balances and the elevated payment is now cemented at $1800.00, $1422.00 and now $1600.00 not sure because each Customer Service "phone fiasco: rep informs me of different amounts day-to-day, week-to-week.
I fear by the time my complaint is eventually reviewed by the Attorney General’s office…and the OCC I will be “locked into” foreclosure. I have been in communication w/ CM weekly and even daily and recently enlisted the folks at Hope for Homeowners (a federally funded Consumer resource group) to delete the escrow from my account. The following timeline details the chain of event since March ’09 to the present: (Exact dates can be provided for the following timeline if this issue goes to litigation).

In Mid March ’09: Regular mo. payment to CITIMORTGAGE was $1206.00/mo. In March ’09 I sent a certified check for $3500.00 (issued from my Credit Union) for delinquent taxes directly to the my County Tax Office (YCTO). In March I still owed $4300.00 and made arrangements to pay the balance in June ’09. This was approved by my local County Tax office as I had until mid July ’09 to pay the balance.
Mid April ’09 – CITIMORTGAGE (CM) issued a check to the local County Tax Office (YCTA) for $7, 800.00. Upon receipt of the CM check, YCTO immediately issued a rebate check of $3500.00 to CM for the $3500.00 I had already paid the previous month. I was not notified or CC’d of the rebate transaction to CM.
Early June ’09: Oblivious to the rebate…on June 10th I called (CTA) for the exact TAX balance as I was ready to send in the 2nd Certified Check. I was informed CM had paid $7800.00 (the balance of $4333.37 was now $0) and finally informed a rebate of $3500.00 had been issued to First Bank of America for delivery to CM’S Tax department to be credited to my escrowed account. Around this time I began receiving incessant calls from CMS’ automated Bill Collection dept. stating I owed $2400.00 for the month of June? I was surprised to hear this as I was current on my mortgage payments at this time. When I would call back the Bill Collection folks @ CM they said so not worry this would all be AOK when the $3500.00 was finally applied…. they would keep checking as it had not yet showed up.
Mid June ’09: CM Escrow and Customer Service folks said I would be able to apply for deletion of the escrow on my account if I resolved the remaining balance of $4333.37 and they would track down and apply the $3500.00 to my remaining balance I would be at $0 balance I could fill out an escrow deletion form and resume my original payment of $1206.00.
I immediately sent a personal check to CM for $4333.37 noted “apply to escrow”. Check was received and applied immediately but the escrow balance was still $3500.00 for the missing check… concerned I called local CTO Controller’s office and confirmed the check had definitely been sent in May.. When I called CM to check if received they promised to keep checking the system… and would $0 out my escrow balance when they found it. (I paid my normal payment of $1206.00 in June certain any day this would be resolved when the check was finally located.) I made several check up calls to CM for the remainder of June still not concerned at this time.
Early July ’09: Rebate check is still lost at the First bank of America and now my cell phone rings from 7:00AM to 11:00 at night (cell records will confirm) as now I owe another payment of $2400.00. I make another $1200.00 payment… hoping an adjustment will be made when the rebate is applied and the escrow is zero. The only good news is now my payment is “only $1800.00 due to the $4333.37 finally adjusted on my escrow. I am growing concerned because it appears I will not be credited the $3500.00… I paid in good faith back in mid March ’09 to my Local County Tax office.
Mid July ’09: I called CTO again and "conferenced in" the Tax Office w/ Customer Service at CM. During this call it was apparent (after almost 3 months) the check was still in limbo and I was pressing for the escrow deletion to get my payments back to normal. During the conference call we all decided that CTO would stop payment on the check and issue the rebate to me… then I could forward the check then submit another personal check for the $3500.00 to CM to $0 and delete the escrow. The check came from CTO the next week and was deposited into my account. I called CM and let them know the check had arrived and would be paying down the escrow as soon as the check hit my account.
End of July ’09: Called Customer Service and asked to be patched to the escrow department… was on the line w/ Craig and brought on Regina we were in a 3-way call… the record will show 99% of the time I pay CM w/ check by phone. Both escrow agents assured me the $3500.00 would be applied to the escrow. I authorized the payment and was assured the escrow would be deleted and I could expect my normal pay schedule to resume. Finally the rebate had come full circle.
Early August ’09 – Phone calls from CM's Automated Bill Collection harrassment come in from 7:00AM -11:00AM for monthly payment of $1800.00. When I called CM to check on the escrow deletion nothing had changed. During this call I found out CM (On August 1st) had paid ahead as well as projected my 2010 taxes allowing them to keep the inflated mortgage payment and now I was locked into projected escrow payments.
Mid August ’09 - After approximately 20 calls from early to mid –August most ending in disconnects after hours of being on terminal “HOLD” (cell phone records will verify) I discovered the $3500.00 was misappropriated to pay the "escalated" Mortgage payments. This was a blatant lie to me from the 2 CM escrow agents and countless other CM reps over the past 3.5 months. My CTO recommended I contact the Department of Banking (OCC). I have filed a claim and I’m on a waiting list… I also filed a complaint w/ my Attorney General's office. Recent calls to CM have been w/ the HOPE for Homeowners counselors conferenced in to witness my attempts to resolve and avoid litigation. The “Hope for Homeowners” counselors, referred by the OCC WEBSITE, have been on the phone with me and CM up to 3 hours at time while we spoke to “Escrow Supervisors” who are the first second and third line of defense for getting through to anyone who had a clear picture of my account information. Taking names and ID #’s are useless… an hour w/ Leslie ID# 22594 (she was filing an escalated request to a senior supervisor) we were disconnected. We got her back on by luck were put on hold and disconnected again… then we spoke to Nancy we asked for her ID and were immediately disconnected… We called back, and Shabir a gentleman who proceeded to tell us IDs# are not useful it is not possible or names as there is no way to get the original Supervisor back on the phone. It is a maze of unaccountability… Shabir said my monthly mortgage payment is now $1442.00 but would go to $1006.00 if I paid my projected balance of close to $5000.00 dollars is paid. I am certain CM is doing this to others as YCTO advised me to contact your office. Please help me bring them to accountability for deceptive practices.

My story is similar in trying to get refinanced through workable solutions. Citi has several departments working on my loan, and none of them seem to know nor care what the other department is doing - they constantly are contradicting each other. I can't get the same person on the phone twice. My mail and phone messages are ignored. I don't have a payment book nor am I getting any invoices, so I don't know what to pay when. Yet they keep sending me threatening letters saying I'm not paying. And the worst is that they've had at least one, maybe two, private investigators trespassing on my property and on the neighbor's property, and this evening when my kids were getting ready for bed and I was doing laundry on another floor of our home, someone from Citi walked right into my house without being invited and without my knowledge and asked my 11 year old daughter to give me a note. The note was crudely written in both English and Spanish, with a phone number, but no identifying information as to whom it was from. When I called the number, CitiMortgage loss mitigation dept. answered! My children are scared to death. You are right - these are horrible people with too much power. What can "we the people" do about this?

I have heard back from them too. I am currently making my mortgage payments and have never missed one or been late. Yet. The loss mitigation rep told me based on my Hardship assistance application that I DO qualify for assistance. But...
There is a "trial Period" where they will reduce my monthly payment for 3 months. Then at the end of 3 months they review my file and decide whether or not to mod my loan. He would not give any indication of what the modification could/would be. So after the trial period if they do decide to mod the loan the amount of money i did not pay as part of the trial period gets worked into the new modified loan. However if they DONT modify my loan then i owe them all the missed payments for those 3 months. To make things worse there is another catch too, my credit takes a hit for Missed/Late payments over 90 days.

Why is it that i am supposed to become delinquent on my payments? This makes absolutely no sense to me at all since according to the Loss mitigation person I DO QUALIFY Already. If i Qualify then I qualify. Whats up with needing to wreck my good credit. What if at some point i want to go out and purchase a new home in the future... Now i cant get a loan or a good rate because my credit report shows 90 days delinquent payments on my mortgage.

Not only that but their mod program that they wouldnt comment on goes something like the following according to one person's comments who has gone through this process in its entirety...

Say your current rate is 7.5%, they will give you a new rate of 5.5% for 12 months then 6.5% for the next 12 months then your loan adjusts back up to 7.5% for 40 years.

For me this amounts to a savings of about $200 per month for 40 years. I am already 5 years into a 30 year fixed, it makes no sense to add on 15 years of interest to save a mere $200 a month. Has anyone else actually modded their loans or gotten offers like these?

I applied for the Hardship Solutions package and received my call today. Because my expenses exceed my income I am not eligible. Eligibility applies only to those who's income and expenses are equal. They had the nerve to ask me to cut back on my grocery spending and to increase my income. Sure, I will get to work on increasing that income right away.

And like many, many others on this board I too have had escrow problems with them ever since I bought this home.

Citi is the Worse! I am stuck re-financing with them because my house is not 80% LTV, whose is? Thanks to some legislation that Obama passed, I am able to refinance, but only with my current lender, and this is so I can get my ex-spouse off the mortgage or I would not bother with this hassle right now. They have lost everything I send them, tell me to send in AorB, so I send in B, and then get told a month later, that A is all they will accept. Things I was told in the beginning of this process are not happening and the whole process is laughable. Again, something I sent in 6 wks ago is not received? Last week I was all set for a closing date, but now the underwritter wants something else and what I sent before has to be sent in again! What a joke. Also, super high closing costs! The APR is higher than average too! Unfortunately, I am stuck without any other option. I am very dissapointed in CItimortgage.

I have exactly the same experience. I am with CitiMortgage now for 4 years. At one time they voluntarily reduced my interest with just one signature. This time I tried to reduce the interest from 5.85% to 5.00% and they asked to to go through a tedious process. During the sales pitch they promised me to have a Citi credit card with one year interest free. Few days later I received a letter from their credit card department saying the application has been denied because they couldn't verify my employment. If I wanted to really get that credit card, they said, I would need to provide tons of documents. Screw it, I felt. They never did try to verify because I worked in a small company and no one had received their call. That I don't really care but it just shows the tactics they use to deter you, i.e. by putting a big burden on your to get the paper work.

As far as the actual refinance part. The minute I finished the conversation with their rep. my credit card was charged with $810 application fees. They sent an appraiser to my house before the loan application agreement was signed. Few weeks later I got an email from their processor requesting me to provide a list of documentation and explanations. I did my running around and satisfied their requirement in one day. Few weeks past, I didn't hear anything from them so I sent them an email. They replied me that my application had been declined.

The rep. I spoke to never replies anything. Voice mails, emails, she never replies. The only person I could have some communications is their paperwork processor who's role is just to making sure the right documents were sent and signed.

BTW, they pre-qualified me with an one hour phone conversation asking many questions. I told them the truth and the rep. said my chance was excellent because my high credit sore and high income. I am making $400, 000 a year. My house was appraised for $1.3 million and my loan is $800, 000. I also have paid off property for rent income. I consulted other loan agent friends of mine and they all said there was no good reason to decline my application. Some people on the Internet have suggested that this is a practice of CitiMortgage to collect loan application fees without any intention to refinance to begin with. Shame! Shame! Shame! Shame! CitMortgage.

We are in the same boat, trying to refinancing with Citi. They asked lots of documents, some of them were not even remotely related. Our loan processor, Cathyann never return phone calls or emails. It has been two months, but still hanging!

Citimortgage promised a rate reduction from the existing mortgage I have with them of 5.8 to 4.2, with 3 weeks to close. My property appraised at $500, 000; my loan amount I requested was $118, 000.00. I have paid back $30, 000 in extra principal beyond the mortgage payments in the past year. I have an 830 credit score with an income over $150, 000 per year. Two months later they still want more paperwork and need to know how much I pay in taxes on another property I own, worth $400, 000, which is free and clear! This is a joke! I paid the appraisal fee of $455.00 and they have done nothing but stall. I honestly believe I am in the top 1 or 2% of credit-worthy individuals. They could have reduced the interest rate in a stroke of the electronic pen. And all the federal money that has gone to shore them up! It's outrageous. I'm cancelling my request for a loan. I'll have the property paid off in 2 years and don't need their stall strategem.

I too am in that boat with Citi and they seem not to care. I have been in the "process" (whatever that is) of refinancing my citi loan with citi since January 2009. Not even leaving the company. I have worked with 4 different loan consultants, seemingly they keep leaving the company and my loan process gets dropped. Now they can't find my financial paperwork that I sent them, this makes me just a little nervous that they now admit they can't find my paperwork.

OK, 4 people later, 6 months down the road, they want me to pay higher fees, because I didn't close on time. I did everything as they asked, and had all my paperwork to them quickly, then... long periods of time with no responses. Someone would finally call me to see if I was still interested in refinancing, and the process would start all over again. Each time with different fees, different promises, different closing costs, and a higher interest rate. Seemed no one can honor anything they promise without a supervisor who always, without fail says no or never says anything again.

I have found the email addresses for 2 supervisors, These are:
Gutierrez, Brian J": brian.j.gutierrez@citi.com, and
Canales, Richard ": richard.canales@citi.com. I assume the second is a supervisor but I have never heard frmo him and Brian won't respond either. Whoever they are, Citi loan consultants have been forwarding them my loan info and financial info, but have never identified who they are to me.

I have also been privileged to have been on a mass email where my information went out from the loan consultant to many people. This occured 3 times. This email was not a blinded email so I have all the email addresses for many other citi customers. I had to remind them of the privacy policy they have to send us each year.

My loan consultants have been: Kimmy Jackson, who they report no longer works for the company and dropped my loan process, Arlene Matos took over and she also somehow disappeared from the company, again dropping my loan process. The next consultant I worked with was Valerie Mendoza, this one was brief and I have no idea where she went. Then I received another call some time later from a Claudia Gutierrez, again asking if I was still interested in refinancing my loan. She also passed me on and dropped out of the process. And finally I started woking with Aaron Balli, the last consultant who made promises to get things done and meet my needs. Then he sent me an application and expected that I would start all over again with the entire process but sent me out dated loan papers with the name of the first consultant, (Kimmy Jackson who does not even work there any more) on them.

Each time they changes consultants, there was a long delay with no information and then a phone call asking if I were still interested. Each time I said yes and they tried to get me to start allover again. Each time they told me they were unable to locate my paperwork. Excuses like, It was on someone computer that was cleared when they left the company, it was destroyed because it was to old, or simply that I must not have sent it at all.

I am now in a holding pattern again with no information coming, The last I heard was that I was going to have to re-apply and start again. But this time Aaron was going to talk to his supervisor Brian Gutierrez and had good news for me. BAM! Gone. I have since emailed Aaron and his supervisor Brian with no response. Brian's email the last few times has been "out of office" status with redirection to 2 additional names for assistance. I have also emailed these 2 individuals with no response. So now I am posting to every web site I can find as well as working to contact President Obama's economic team where Richard Parsons, Chairman of the Board for Citigroup sits. Citi received $20 billion in bailout funds. Maybe they can hire someone who will stay around.

I am having the same frustrating experience when trying to reach a deal for my past due payments. A week ago I received a letter offering to postpone my overdue payments to the end of my loan!

When I called they said that I don't qualify because I am past due? I asked who qualify for this program they told me that it is only for people who is up to date on the payments... duh! Why I will be asking to postpone my payments if I am up to date?

Does anybody has a way to reach Congress to let them know that the famous "BAILOUT" is only for Wall street not for the people on the streets!

I am having the same issues with Citi! I started my refinance at the beginning of Dec. They charged my Credit Card on 12/16 for $480.00. We keep getting the run-around with everything! Something keeps coming up with making them happy and stalling for more time. Even stupid stuff that is a typical requirement from the get go with other mortgage companies.

They have made me feel like I live in a Dump and have ruined the Holidays and here we are passed Valentines Day... and I still have NO ANSWERS...however they have my money! Sometimes we have gone weeks without having emails answered or any phone calls and in the mean times I have spent thousands on the house trying to please them and it is all for nothing.

I've been online comparing rates and closing costs to refinance my 30 year fixed mortgage. CitiMortgage is what I have now at 6.5%. I checked out Citi for refinancing and their rate is MUCH higher (6.104 apr with 0 points) and closing fees of $4400 (I have escrow for taxes and insurance) so with Citi it wouldn't save me anything.

I checked out LendingTree and the best I've seen there is 5.577% apr with 1 point. Closing fees are comparable.

I checked two local banks, the best gave me 5.102% apr, 0 points and $3522 for closing costs.

My impression of Citi is they aren't wanting to refinance so their rates are high.

Lending tree, by the way, currently won't refinance if a loan < $100k.

Well, I am just getting started on my CitiMortgage -no service, rude deferment request. I too have never been late, I have good credit, but due to job loss, no unemployment income and no more savings, I was told that I could not get a deferment. Yesterday I was refused a deferment via phone by the most rude and information grabbing, trying to get money bank associate on the phone. I felt as if I were a deadbeat talking to a collection agency and not a bank associate offering assistance. I know that Fannie Mae allows banks to make deferments, and I do not know where to go for help. I need an attorney, I am ready to join any class action effort in IL (Chicago)

Beware !- Citi-Mortgage has seen the enemy and it them. Trying to receive a payment deferment- HAS BEEN A NIGHTMARE.

There is not a single person for two weeks that can tell me what my deferment status is. Some do not know, others have said its approved and other Citi Mortgage operators say it been denied.
Citi, mortgage has perfected " Catch 22". This company knows as much about customer service, as a pig knows about Sunday.

Give them enough rope and they will hang themselves. A class action suit could very well occur like this:

United States of America

Plaintiff

v. Citigroup (aka Citi) Headquarters: 399 Park Ave. New York, NY 10043 United States and Chairman Richard D. (Dick) Parsons CEO and Director Vikram S. Pandit CFO Edward J. (Ned) Kelly III

Defendants

Did you pre arrange your twice a month payment with CitiMortgage? If not, when sending in 1/2 payments did you list how much of the payment was to go to escrow, interest & principal? Without doing that, if they receive money they will automatically apply it directly to the principal, not as a 1/2 months payment. This is how you ended up as past due on your mortgage. .Your mortgage is a legal contract & you cannot make your own changes to it. The only thing I can suggest is to talk to someone & see if they applied the money to principal & ask them to remove that amount & re apply them as monthly payments, & honestly I don't know if they can or will. I know they offer a twice monthly payment plan, but you have to switch over to it, you can't just start doing it without them being a part of the process. How are they supposed to know where to put your partial payments if they don't have you set up on the twice monthly plan? So they apply them to the principal. I've had CitiMortgage for over 30 yrs & never had a problem with them. At one point I was jobless for a long time & almost ended up in foreclosure. They worked with me & set up a repayment plan that took 1 yr to catch up on past due amount while still making the monthly payments due. I didn't find them hard to work with or unreasonable.

I know that they won't take a payment because you are in foreclosure. You have to pay the account up in full in one payment through the foreclosure office. Many banks and mortgage companies have that policy

hate does not ever come close ... they say im being forclosed on... but wont take payments on my acct i am behind .. i just dont get it im down to the show me the note card... worked in cali ...

I agree CitiMortgage horrid...I have been paying on an estate for 5 years now and today they told me they will no longer accept payments as they just realized the original loan holder is dead...Now for the past 5 years they have had the death certificate and have accepted payments knowing the original loan holder died...Now I have to go out and get a loan to pay them off...And to top it off there is only $12, 000 owed on the loan...

I am also with citimortgage, and I have had a trying time with them as well. What the jerk "a fair opinion" needs to understand is that not everyone went with citimortgage initially. I financed locally through a local bank who went under, and my mortgage was bought by citimortgage. I didn't get any type of corrospondence or anything from them for 2 months, and it was a nightmare getting them to apply my payments from the other bank for that time period. I would refi, but I don't want to pay closing to go somewhere else, and the rates aren't what they were 3 years ago. "A fair opinion" needs to keep their opinions to themselves.

Sorry Nancy. I was talking to "a fair opinion", not you. The placement of names is somewhat confusing.

Apologies to Nancy but not to "a fair opinion".

Bonnie - Ocala, FL

My husband just sent a lengthly letter to Channel 6, here in Ocala, about the remodification SCAM they pulled on us. 1 1/2 years so far of BS. Can't wait to hear about it on the news.
Nancy, sounds to me like you'er the IGNORANT one to talk down to people in such a manner and/or you WORK FOR CITI MORTGAGE! You should be ashamed of yourself. You never knows someones's story until you've walked in their shoes.

Bonnie - Ocala, FL

I soooo totally agree with all of you above...except Nancy from Ocala. I've been dealing with CitiMortgage for over four years, and have had THE WORST dealings with them. I had a few months of financial difficulty 16 months ago. I was encouraged to refinance when the rates got so low, started the modification process, got approved for a fantastic rate (2.9%) that lowered my monthly payment by half, made my payments on time. Great, right? NOT! CitiMortgage had 'no record' of the refinance/modification. The payments I had been sending in are not recognized and were placed somewhere...nobody can tell me where they went...all because I wasn't sending in the entire payment as was on the original loan! What the heck was the point in sending in hundreds of pages of financial documents to "qualify for the refinance" ? What was the point in talking with ten different customer service reps about the refinance procedure, doing this for them, doing that for them? What's the point in ANY OF IT if CitiMortgage NEVER INTENDED to honor the modification/refinance? Now, I'm days from foreclosure, I'm exhausted trying to fight for my home and getting nowhere, and I can't talk with the same customer service rep twice in a row. To top this off, CitiMortgage had the audacity the other day to suggest that I accept "an incentive" of $3, 000.00 from them... ! ...to just walk away from my home that I have lived in for 12 years with my famly. I was trying to do my due diligence in keeping them informed of my situation for that short time. THEY WERE THE ONES that encouraged me to go for the refinance, and now they don't even want to work with me. I HATE THEM, I HATE THEM, I HATE THEM. If anybody knows of a class-action lawsuit that I could join, Please let me know!

If you would read the terms of the note you signed for when your mortgage company agreed to lend your ignorant self money, you would understand whyyyyyyyyy your payments are not being applied. The "note" is very general for loans, it states you will make your payment in full on the day it is due. So sweetheart go to school, get some education to learn to read and than maybe you will understand why your mortgage company is not accepting your payments. You all make me very sad, I had more faith in peoples intelligence, you prove me wrong.

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. 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!

Nancy - Ocala FL

I've been dealing with CitiMortgage since November 2009, I had called them after my mother past away to find out what the monthly payments where and to catch up on the payments since her death. She and I had purchased the home together in 1985 she primarily lived in the home. Every time I called I was told I wasn't legally liable for this loan, never could get an answer of why, since she and I signed the papers. I contacted CitiMortgage from November 2009 thru May 2010. Was told to go online to do a loan modification, in May I was told I couldn't do a Loan Modification cause my name waan't on the loan. Now during this time I was told to hold off on making any payments until the loan modification was completed. In the middle of May 2010 after being told I wasn't on the loan that my mother had refinanced the home in 2004 that I would have to assume the loan over. Filled out the paper work, then the next thing I get is Foreclosure papers in my mothers' name, around the first of June 2010.I contacted the Law Firm explained what I've been going through, went and filled the response at the court. During November 2009 thru May 2010 I had talked to over 50 CSR at CitiMortgage getting different answers. I contacted CitiMortgage asking them what was going on, since I had filled out the Assumption papers to get the loan modification finally going. Upper management informed me they had stopped all work on the Loan Modification and the assumption has been stopped. From June 2010 til September 8th, 2010 I didn't hear a word from CitiMortgage until September 8th, 2010 when they had called. I returned the call on September 9th, 2010 giving them my mothers' last four digits of her SS number as I've done on numerous times. Being told that as of August 28th, 2010 the loan was placed into my name and that I should be happy so that I can get the Loan Modification going again. I was applaud to the fact I never informed of this until after the fact. Again started the loan modification again, having CitiMortgage dropping the ball, requesting information that I had already submitted in several times. Then was informed in November 2010 that I wasn't approved for the HAM program, I wasn't even doing that I was told I was doing a Traditional Modification. So again had to restart all over again. Then the case manager dropped the ball, and again had to restart the process again. I've have jumped through hoops, I fell as if I've been on a roller coaster, during all this. Was told that it went to final underwriters on April 3, 2011, would call in get a message "We are please to announce your papers have been sent please review, sign and send back in" and the CSR couldn't find anything in the notes, to that fact. On May 2, 2011 had to send in my daughters Birth Certificate and a letter from SS on her award letter, being told on May 6, 2011 it's gone back into final underwriter, on May 11, 2011 getting a message left on my cell phone "We are please to announce your papers have been sent please review, sign and send back in", I call and talk to a CSR I'm being told that isn’t correct actually something about I was sending in $325.00 for what she couldn't tell me, then a note that they have started Foreclosure oh but what no they placed that on hold. I get home and call the one person at CitiMortgage that I semi trust and she couldn't believe what they are doing, it stated something about $325.00 but she couldn't see what it was in regards to not unless that is what I'm needing to put down as a payment. Then a note about Foreclosure, but it's still in the Final Approval for Loan Modification. She emailed three different parties within the company and ask that I call back on May 12, 2011. Called talked to her today, no answers to any of our questions except it's in Pending Review, was told to call back at 7:00 since she was going to talk to her manager about this. Now since I've been told prior to not make any payment and the back balance was going up every month, I told them back in December that I'm tired of being told prior to this that I wasn't legally liable to make payments that I was going to since I do want o keep this house. So I made a payment that I was told the amount needed and that it would go towards December 2010, another lie. When I called to make January payment I was informed that the payment went towards the back balance and oh by the way either in June or July 2010 the payments have gone up, but just keep making the regular payments, once you have caught up on that you can start making the new payment amount. Now dong that the back balance keeps going up, instead of $5000.00 behind I'm now $15, 000 plus. I had a loan placed into my name without my knowledge ruining my credit showing late payments. And being screwed around by CitiMortgage. What is it going to take to stop theses people, from there lying to people, and to actually start doing the correct thing. I had asked them on numerous times to send me out a letter that they stated they had sent to me back in early September 2010 regarding the name changed it took them over 5 months to do that, what funny they have the date on the letter as August 28, 2010, this is how stupid they are there's a print on the outside of the letter of when it was mailed. All I wanted it to get the payments lowered since I new they should have been $624.00, and couldn't understand why they jumped up to over $800.00 and now $900.00. In the papers that I finally got which was only half, then finally went to the actual closing company, I found a fraudulent Quick Claim Deed, dated in 2002 or 2003 with my signature. But as CitiMortgage put it I should be happy they placed the loan under my name, no I'm not happy it's a complete nightmare.
A house my mother and I bought for $65, 000.00, she refinanced for $90, 000.00 without me even knowing about that. I can’t change that but I’m not able to sleep, without waking up having panic attach. CitiMortage need to stop ruining people’s lives, and to get things straightened up and do the correct thing without making it difficult. Or placing names unto a loan without notifying.

Lawsuit is needed at this point.

My sister and her husband are going through it right now with Citi mortgage, they just learned from a real estate agent that their home is being sold on Feb 4 at an auction and they are being forclosed on. Now ther are behind in their payments, her husband has been out of work but they received no notification from Citi? What's up with that? Now after reading all the other comments about how this company has burned people I see what's up? They are trying to work with a lawyer or company to try and save their home please keep them in your prayers and I am all for a class action law suit! Bring it on, what they are doing is so wrong!

We are having a similar problem with Citimortgage. They made several adjustment to our escrow account, which is resulting in them taking appox. $1, 700 of our excrow money. I have called numerous times and even talked to managers and have been given "so-called" work order or claim number claims and they would get back to me. I have even got transfered and no one would ever pick up. I was actually given a fax number to send my request to, I doubt it is going to help, but I told the girl that I spoke to that I will fax my request in Monday and that by Friday if I don't have any response and fix to my account, that I will have the Attorney General's office investigate.

CitiMortgage bought our loan 2 years ago and has no customer service at all. Our loan comes up for adjustment in February and we will not play their game - we will just let our Real Estate Lawyer take over - I will take the money from our tenants and stop paying them if they continue to blow us off. "Wait 3 months and we'll send you the paperwork. We can't talk until you are behind on your mortgage. Here is the number for that Department" : then we call and call and there is nothing on the other end.

The Bank we had originally financed with and then refinanced with, Fleet Mortgage, was a great one to work with, but CitiBank is only a Bank for Corporations and the elite. So before I shove it all up their uncaring behinds, I will take all of our money out of Citi and then stick my finger up in the air, unless by some miracle they are willing to work with us in a positive way, which I doubt will ever happen.

Why not take the money from the rental throughout the long foreclosure processs or at least until Citi agrees to a Shortsale? Screw them. They are a Bank full of a-holes, and the Government Program Obama put his name on is a joke in an economy where most houses are worth less than 60 percent of wht they once were - Let Citi eat the paper, and half the house too. We'll get our A Credit rating back in time.

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When you call Citimortgage make sure you document the time you call and get the agents ID number. If you have a device to record them make sure you do this too. My home was placed in forclosure and I was told by the lawyers that were hired by Citi If I’d not been so savy and knew how to document I’d lost my home. Now I’m doing the short sale and it’s a nightmare…, but of course I’ve already filled up a notebook of documents of the conversations to cover my asss. BEWARE OF ASHELY LESTER WITH NATIONAL QUICK SALE… This is a third party company that is helping Citi with these short sales. She is not on your side BEWARE OF NATIONAL QUICK SALE they are not trying to help you. I put $3, 00.00 dollars into my house to help sell it and she went behind my back and dropped the price from 98, 000.00 to 31, 500.00 with my signature. The realtor was in total shock he said, I can’t believe she did that.. of course I have her recorded and a e-mail trial of all the WRONG things she did. Again BEWARE of this company.They had the nerve to ask me, “why are you so involved with this?” I said, Are you serious?, I work for a bank also I know what you are doing is wrong. She said, Well we aren’t use to the homeowner being so involved…. Nuff said. BEWARE!

After two years trying to work with CitiMortgage, I am worse off. I lost my wife's income due to her cancer operations. Medical fees, depleting savings, , my 401k, and liquidating what I can. I spent two years of stress talking with numerous Citi employees with them all asking the same questions and never getting results. What one person says you can do, another person says you can't. The end result for me was a modification reducing my mortgage $137 a month by giving me a 40 yr, interest only loan, , , plus adding $15, 000 to the end of the loan for penalties I was charge during a trial period. I wasn't told they were going to charge the fees. My modification was $1192 with a $875 fee. I found a descrepancy in the loan and called them about it. They said it was a computer mistake, its now $1398 but new fees, a week later they called back and said there is a $1875 fee. They did everything they could to drain me. Helping a customer is not a concern, they are in the business to make money. Now I'm presently still in my home. Appraised at $140k and I owe $300k. Lucky me! I still have to replace the roof, repair and finish a pool and the AC needs to be replaced. Where's the incentive to stay? I can no longer afford this home. I don't know how to break the news to my wife and son. I see there are many in the same boat. I've been in this home for 26 years and rebuilt it. Now with the economy and lifes challenges, I'll have to leave.

The modifications and/or hardship assistance program is a farce: They have not tried to help anyone that I know of with the modification. After breaking my finger while working i stay out 1 year to recover not by choice, but because I needed time to let it heal. I have sent so many doc. to get the modifications they cant delaying you only for you to get more behind and do nothing to help you. I have been in my house since 2004 and now that i am about to lose my home they keep delaying me, miss leading me and even giving me the run around. They have all this money from obama's plan and they are not even helping no one. I dont have good credit because i got behind with the mortgage. They are not helping customers with the loans, and if they are suppose to are have this money to do so then they should be doing so, if they dont then I dont have anything else to say but its wrong how citimortgage is holding out on those who are trying.

Citi Mortgage is a joke. I was going through a divorce and we had a 2nd home in Florida. The bubble burst and my ex decided she was no longer going to pay her 1/2 of the Florida mortgage. We contacted Citi and were told that they couldn't talk to us until we were 30-45 days delinquent. We ended up doing a deed-in-lieu but now they won't take my ex's name off my primary home loan due to that on my credit report. I can't refinance because of that mark on my credit report and all I want is for my ex's name to be removed from my loan. I have no idea what to do.

Hello to All,

Honestly I can relate to all of you. Since Sept.2008 my husband and I been seeking help with Citi. First they put us into a payment plan, then trial modification..etc..etc...I wonder if there's any way or the media can send a message out there of what these Citimortgage so call good reps are doing to millions of us that are trying to safe and stay in their home.

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...

CitiMortgage is a JOKE! These are the most the most laziest, worthless lenders I have EVER encountered. March of this year we were qualified to refi with them (I called THEM) and FINALLY after 1 month they sent the packet for our review and we were to send it back in. You better beleive it was mailed actually sent FEDEX next day delivery to them. Didn't hear anything for 2 weeks. I decide to call in they try and say they never received it, FUNNY becasue I had a signed receipt confirmation that they received it, AND I also faxed over the necessary sheets, and had confirmation the fax went through. Well then their story changed and it was in for review. Well while I waited I sent over my information for a modification. Long story short, its now nearing the end of July, I have called those worthless ### every week and have yet gotten no further than where I was. No one ever knows anything when you call, and as soon as I throw out that I have a list a mile long of people I spoke with there and the dates and times and their comments I either get hung up on or left on hold. Citmortgage is a bunch of ###!

The Citimortgage Homeowner's Assistance Program is a farce. The CEO of Citimortgage was on TV several months back touting his proactive programs in assisting homeowners by scaling back their monthly mortgage payments to $500 for at least three months. This was a lie! I was laid off at the beginning of the month and immediately called - waited until yesterday to hear back from them - only to have them tell me that since I am unemployed they cannot help me! Of course, the person I spoke with did not have an answer to my question about their CEO spouting off on TV and making himself look good.

It is all lies and obfuscation. They don't care about the little people. The media needs to stop advising people to contact their creditors if they run in to hard times. The absolute worst thing that you can do is contact any of them because any assistance (and I use the term loosely) will result in your credit card account being closed. If it is a mortgage, and you are unemployed, you are screwed! If you are unlucky enough to lose your job, there are no programs for you - not even for three months to allow you to get back on your feet. So much for the billions of dollars that went to the banks - when do we get our little share? This is a national disgrace and the people need to let those bloated pompous ### that we have elected know that we are not happy. At the very least, kiss me before you do me!

Today I contacted CitiMortgage for the 7th time since December regarding their Homeowner's Assistance program. Like a couple of others who have written, I am simply trying to be PROACTIVE and get things taken care of before we are in a hole we cannot get ourselves out of. Since December, I have been told to wait for up to 6 weeks everytime I call. They have taken a breakdown of our income v debts (3) times and it always gets lost in their system. We are assigned to counselors that cannot be reached unless they call you, and even then from the hours of 9-5. Today I was told our case had been closed. They had been trying to call a number not even associated with my account. Since there is another number available for them to call I asked why they didn't try that number. Taking the time to dial 20 digits isnt that much more difficult than dialing 10. The woman who answered my call told me that even though I have been calling since December it doesn't matter because they tried to contact me and didn't get me. When I asked for her supervisor I was told that he wouldn't be able to help me. When I asked to speak to someone at CitiMortgage who could help me, she said-- "No one at CitiMorgage will ever be able to help you ma'am". I told her she had just said a mouthfull. She then proceeded to tell me that I was trying to manipulate their system to suit my needs. Funny since all I have been doing is calling and waiting, calling and waiting, submitting my information again, calling then waiting. I wish I knew I was manipulating so poorly. She then told me that now the operators are able to give you an instant yes or no about whether you qualify for assistance through them BUT they have no house value for us in their system so before she needs to ORDER ONE AND IT WILL TAKE 2 WEEKS! It's been since December. We pay our VERY high payment on time every month and we are sinking. I can't get anyone to contact me or help me or even listen. Finally, I was told that if I called with the attitude I had today again, no one would help me. Well, honestly no one is helping me now. It's all a scam to make CitiMortgage look like they are helpful.

I just received a check from my insurance to fix my roof. I have had to have an attorney to fight Citi on another matter, and was not about to send them this check. Guess its back to my attorney, because I know exactly what these people meant about all Citi's promises, double talk, lies, and silence. Why with all the other things our government buts into, do they do nothing to control these parasites! Oh, maybe they(including the insurances companies) are all getting our money. We sure aren't!

Can not get an inspection done on my partially repaired house. House was damaged by fire. 1st inspection was asked for on 11-22-10 and ordered on 11-23-10. As of 12-6-10 there has been no inspection and I have called several times and all I get is how sorry everyone at Citimortgage is but it just doesn't get done. Meanwhile the contractor has pulled his crew off the job site because he just cannot stick anymore money into the project without getting some payment. While this is all happening, I am living in cramped rented quarters with 3 children and now it seems it is going to take even longerto get back in my house. Isn't there someone at Citimortgage that can get this done? HELP ME! Tanja McMillan Jamestown, ND

I'm pissed! !

I live in Nassau Bay Texas a few blocks from Clear Lake. I am one of the lucky ones that did not loose my home to Herricane Ike however I did have sever roof damage and damage to other things as well.

I received the Insurance claim checks from the insurance company and in accordance with the directions I receivbed on the WWW.mylossdraft.com website, I sent the check to CITIMortgage Inc. and now I cannot find out anything about what is going on with the Insurance Money from the Policy I pay for (NOT CITI MORTGAGE).

It feels like I just threw the check away when I sent it to CITI. I have six written estimates to accomplish repair of my roof, fence and lighting systems. I am ready to negotiate with the roofers and start the job. CITI is holding up the repair in their infinate wisdom, demagogery and incompetance.

Does anyone know a phone number to call and obtain status?

Please advise.

Larry Jones

We have rec. our first draw, but now we are fighting for our second draw so we can get our roof on. I have been fighting back and forth with them since 11/22/08 and we still have nothing. So now we are taking it a step futher and hiring and attorney to help us out. Everyday that I called I got a different story and a different lie. So it only gets worse.

Citimortgage is the worst ever, they lie and cheap you out of money, and won't help you if you need it. We have been trying to contact them about our mortgage payments and our income for about a year and they don't respond to phone call and letters. We are completely upside down in our home, have lived here for 9 years, have raised our kids and now raising a grandson here and they don't give a ### about anybody but their f'in money, and they they get it, whats owed them. According to obama they are suppose to help the people stay in their homes, by doing whatever it takes to help but, yeah, right! Them help, would be like a act of the good lord himself. They haven't even had my mortgage, but almost 4 years so they don't know anything about us or even care.

I was browsing to find a way to contact and complain at Citi Mortgage and found your website. I am glad I did. You think trouble. We were hit with a tornado on April 27 and insurance sent money fairly quickly but the ordeal with the mortgage company has been a nightmare. They say they need this and that sent in, you do it and they come up with something new. When you have 80 thousand worth of damage they expect you to get money in one third increments, which putting a new metal roof on took most of that money. It has been a month or better and it is a nightmare. I have heard that they invest that money and make intrest off the money we paid in to the insurance company. What is up with that. They sure want their mortgage payment on time... Just saying...

We have had trouble with Citimortgage on an insurance claim as well. The work has been done since the end of May and 1 contractor still has not been paid, plus they will not get us a statement telling us who has been paid and the amount that was paid. We have kept track of the amounts that were to be paid out and there is $46.10 that has been unaccounted
for. We have not been able to get a straight answer out of anyone that we have talked to. This stress has caused my husband to have a heart attach. Lets band together and take them to court

My story is similar to several of those posted in here. I paid for the repairs in full after a Citi rep told me once they receive the check, they already had the necessary paperwork and the payment would be released. That was in November. It is now the second week of February (three months) and they are still holding over $6K in funds. They told me the roof needed to be 95% clear of snow coverage in order to inspect it, but this is Minnesota, and that isn't happening for awhile. After I explained that, I was instructed to submit a "certification of completion" form, and the funds would be released... why wasn't that an option from the beginning? I have had at least four different interactions with them, and while the people I spoke with were friendly, it makes me question the tactics of the company, or perhaps it is just inadequate staff and/or training.

I am another contractor who has all of the same complaints as this seems to be going on for the past 5 years, based on the above comments! Horrible Customer Service! There is None! Don't Anyone go with Citi for their Mortgage! The only time you Need THEM is when a tragedy occurs, because they get your money due to the insurance payment. They don't care about your loss as a homeowner, and furthermore I kept my word and finished the job. Thus, we are still waiting for our payment! Don't they have a boss? Something needs to be done with this company and their claims department, making a AG complaint!

My family is currently in this same situation...CitiMortgage won't release the check to pay for repairs. Every week they say I will get it on Monday but I don't so i call and their excuse is that something is missing but then minutes later they say, "its complete, you'll get it Monday" but it doesn't come. I've heard this same excuse over and over again.

Also, I mistakenly authorized they take $10. from the check to have it sent back to me via over night delivery but that just seemed to confuse them more. We were told they deposited the check and now have to wait to have a fresh check cut by them. We've realized (in my opinion) that CitiMortgage is after the interest they get per month for having this money in their account...what I mean is...not just the money to pay for my repairs but the money they are holding from everyone in this situation...it adds up.
Thieves?...maybe...I wasn't told I was going to be sent a check plus interest. I paid the contractor out of my pocket because its not fair if they completed the work not to pay. I'm out the interest I could have made having this in my savings account and yes, perhaps its not a lot but one cent that CitiMortgage makes off of the misfortune of others is too much.

Incompetent, uninformed, confused, liars...etc.

I too am being caused a delay being the general contractor. Citi Mortgage decided the cabinet and counter top vendor was my "contractor" and their check will have both my name and their name on it, so the $$ for them is being held hostage for now. the Company wants to be paid, 1 month since complete, but i can't even write them a check or pay them due to both our names are going to be on the check when it is sent from Citi Mortgage...

It amazing how many idiots they have working at CitiMortgage, especially in the loss draft department.

As a contractor, and this being my first time dealing with CitiMortgage, I can tell you it will be the last. The insurance company paid the claim. Citi has been sitting on the money, and no work has been done on our end resulting in a pregnant woman and her family out of a house for the last three weeks while they keep saying the check is in the mail. I will not be doing any work until the money clears my bank account. I am very happy I made this choice after reading the comments on the site, and many other ones. Citi will not hang my company out to dry, and the first thing I will ask if the situation ever comes up again is? "Who is your Mortgage company?" If It's Citi, my company will walk, and Highly recommend if you are a contractor you do the same. Horrible company! Horrible people!

We have had the exact same experience. When we got the insurance money I called CitiMortgage customer service and got instructions about how to submit our check for their endorsement. They never told me we were supposed to endorse the check, and then mail to Citi. As a result, we had to wait for Citi to mail the check back to us for our endorsement. By that time I had already lined up the contractractor. And then it was weeks before we got any portion of the money. We had to go ahead and front the cash out of our own pocket for our roof repair. Luckily we did have it. We used the contractor recommended by Citi, and they had to have cash at time of completion. Then we had to wait until Citi got around to sending their inspector our to look at the roof before they would release the remaining 50% of our insurance money. I think it's a ploy to use the consumer's money (float time) as long as possible. It should be illegal!

I agree, since I have been with them, my escrow has been short ( SO they say, such liars) twice, since 1 year ago my payment is now 40 dollars more a month...I know its not a huge jump, but there has been NO change in my insurance or property taxes..BEWARE people...I am looking into refinancing through a reputable company, does one exist?

thats cause they get their hand slapped by the ots.treas.gov. the smae people that handed them $45billion in one month for breaking RESPA laws. If we could only find an honest lawyer to get some of the money back

CitiMortgage doesn't refi second mortgages, it never has. They only do first.
Your loan was written with another mortgage company and then sold to CitiMortgage.
If you are looking to refi a second mortgage, you'll need to contact their sister company, CitiBank. Under the Citigroup umbrella they're the main ones to contact. or goto CitiBank.com and fill out an application there.

You don't have to refinance with them. Go to a local bank get the money from them and pay off the loan. See how they contact you when they lose all that interest.

I am having the same issues with citimortgage that the other horror stories are saying. My roof is not that old and the damage not that severe. Why replace a whole roof when I can wait over 10 years to replace it. The insurance check should be to me only. Citimortgage does not pay my insurance check. When I have break downs around the house like heating and cooling systems, will Citimortgage help pay for them? Of course not but like so many others are staying they are just using the money we as individuals pay the premiums on for their own benefit. I would never recommend them to anyone. What a rip off…What can be done to help with this issue?

I went on line because I called their 800 # to find out what I can do to get my insurance check stamped so I can finish repairing my house after IKE. After several minutes of pressing number in order to speak to a human, I got a recording that said "this line not in service". I've been reading other horror stories and thought this was because of the recent financial institution failures, but I noticed some go back to 2005-6 when Citi bought ABN Amro. What a mess.

I have Citimortgage, but I pay my own property taxes and I have my own insurance company that I have been dealing with for years. I have never had an escrow account.

I have never had issues with my flood insurance until they decided in July 2008 to send me an insurance policy for excess flood insurance. I contacted my insurance company right away. I have a 30, 000 dollar mortgage, Citimortgage said that I did not have adequate flood insurance, they wanted me to raise my flood insurance 170, 000 more. I am now up to a total of 220, 000 in coverage.

Citimortgage created an escrow acct, which I am still trying to resolve since last year. They keep sending me letters threatening foreclosure if I do not pay on my escrow. This is all due to flood insurance and that the reps there cannot resolve any issues. I am re-routed to India, then they transfer me to someone else. My husband, my insurance company and myself have been on the phone with them constantly telling them that I have adequate insurance. We have faxed them policies, spoken to reps, they keep telling us that it has been corrected and the policy canceled, I will be receiving a confirmation letter. Guess what, I never receive it.

My most recent call was today and the rep says it will be resolved, my insurance company needs to re-fax the policy (the 10th time or more, I lost count). This has not been resolved, I will still be waiting.

This has caused such aggravation in my household that my children are beginning to feel it. They have started to hit our credit, they are charging late payments (which are not late), and we can't forget they are also charging to send an inspector to the home to see if it is vacant. There has to be something that we can do to stop this harassment. It is not fair, everyone is feeling this not just the banks. Hopefully someone can read our letters and resolve these issues before they get worse and more families become homeless.. Thanks for reading.

Class Action Suit in Process Against CitiMortgage:
Go to www.milberg.com Select "New Cases" to enter your contact information. The crimes this Big Monster is commiting is a Federal crime. Home owners can file a complaint to sue Citimortgage on the local level without legal represention and enter a class action suit at the same time.
E mail you story to the staff members provided on the site listed above. Fight Back, do not move out of your home. Citimortgage is going to pay!

Citimortgage is not only liars but has ruined my credit and taken away my home which was my retirement investment. I had an ARM which was 5 years and had to refinance the loan. I had a great job, great credit rating and NEVER missed or late on any mortgage payments. When I called Citi to refinance they ran my credit and approved me in less then 5 minutes. The cost would be $250 for an appraisal. I paid over the phone and the appraiser was to call me for an appointment. After 2 weeks, I called Citi and asked when the appraiser was to call me and they said I was denied because the appraisal came in lower then I owed on the home. WHAT? I never got an appraisal. I called CITI 5 times over the next several months to sent my appraisal report and every time they agreed to send it but never did. A few weeks later I get a call from Citi and they ask me if I would like to refinance and would cost only $250 for an appraisal. ARE YOU KIDDING ME? I told this story to the CITI employee who put me on hold and came back a minute later saying that my house was appraised but was less than I owe and there wasn't anything they can do for me. I ask for the apprasal be sent to me and he promised and said I should get it within a week. IT NEVER CAME. A month later CITI called to harrass me on my mortgage payments and I told the story again saying I belive CITI took my money with no intentions of giving me a loan. Citi but me on hold and when they returned told me I never had an appraisal on this home nor did they have any record of it. I decided to retired and lose my home to this corupt company which was bailed out by the Goverment. I get harassed at dinner time, late nights and even Sunday mornings asking me when I will repay the money. There is so much more to say but I think you get the picture. This is not a joke.

i

Ok so does anyone know of a lawyer who is willing to take on a suit against citimortgage?
They are liars... to say the least...

We can help. If you are ready to fight and save your home from these crooks..you have come to the right place. Contact me now...mw81307@gmail.com and I will give you the details.

I ALMOST IN THE SAME SITUATION IN 2008 I MISSED A PAYMENT, BUT I CONTINUED TO MAKE MONTHLY PAYMENTS TO CITIMORTGAGE, AND THEN IN ANOTHER MONTH, WENT THOUGH VERY HARD TIMES I THOUGHT AND SENT IN PARTIAL PAYMENT. BUT CONTINUED TO SEND IN PAYMENTS EVERY MONTH, SO AS I UNDERSTAND THIS I WAS ONLY 1 1/2 MONTHS
THINGS STARTED TO LOOK BETTER FOR MY FINANICAL SITUATION, SO IN SEPT. 2008 I STARTED TO SEND IN ADDITIONAL PAYMENTS IN DEC. 2008 CITMORTGAGE SENT ME A LETTER AND STATED I WAS IN DEFAULT FOR 4 MONTHS. AND THEY WERE GOING TO FORCLOSURE ON MY HOME. AFTER CALLING THEM FOR SEVERAL WEEKS, SPEAKING TO ANYONE WHO WOULD LISTEN HOW COULD YOU GO FROM 1 1/2 MONTHS TO FOUR MONTHS, WELL I FOUND OUT THEY STOP APPLY MY MONEY TO MY ACCOUNT AND PUT INTO UNAPPLIED FUNDS SO THE MONEY WAS JUST SITTING THERE. IT GETS BETTER. THEY STARTED THE FORCLOSURE PROCEDURE AND AFTER SHOWING THEM MONEY WAS TAKEN OUT OF MY CHECKING ACCOUNT. I WAS DIRECTED TO CONTACT SOMEONE IN THE COLLECTION DEPT. WHO TOLD ME TO PAY APPROX. $7K OR TO SELL MY HOME.

WELL THE MONEY IN THE UNAPPLIED FUNDS THEY DECIDED TO TAKE PART OF MY MONEY AND PAY THEIR ATTORNEYS WITH MY MONEY AND DID NOT SAY ANYTHING TO ME, THEN APPLY THE REST OF MY MONEY TO MY LOAN WHICH COMES OUT TO 2 MONTHS. BUT THEY SAY I STILL OWE THE FOR 2 MORE MONTHS WHERE DID ALL MY MONEY GO THE NUMBERS JUST DON'T ADD UP.
BUT THE CONTINUE TO LOOK AT THEIR SCREEN AND READ, NO ONE WILL REALLY LISTEN TO YOU, BUT THEY WILL SURELY MAKE THREATEN PHONE CALLS TO YOU HOME FROM 7:45 IN AM TO 8:45 AT NIGHT. I HAVE TRIED TO ASK FOR LOAN MODIFCATION THEY SAY THEY DON'T HAVE THAT PROGRAM, THEY SEND YOU FORMS YOU FILL THEM OUT AND THEY LOSE THEM AS FAST AS YOU FAX THEM BACK. I HAD CALLED AND ASKED FOR AN UPDATE I WAS TOLD, I WAS DENIED, SO I CALLED RIGHT BACK AND SPOKE WITH SOMEONE WHO INFORMED ME THAT I WAS STILL PENDING. NO ONE NO WHAT GOING ON IN THAT COMPANY

I UNDERSTAND WHY SO MANY CUSTOMERS ARE IN DEFAULT OR FORECLOSURE OF THEIR HOMES WHY DID THE GOVERNMENT BAIL THEM OUT FOR ALL THERE TOP EXEC. TO GO ON VACATION WITH THE BAILOUT MONEY THIS WAS PUT ON THE NEWS AND THE GOVERNMENT CONTINOUS TO STAND BEHIND THEM. WHAT THE GOVERNMENT REALLY NEED TO DO IS LOOK IN TO THEIR ACCOUNTING DEPT TO SEE HOW THEY ENDED UP IN THEIR SITUTION IN THE FIRST PLACE. A CLASS ACTION SOUNDS GREAT TO BAD NO ONE IN THE GOVERNMENT COULD READ THESE COMPLAINTS AND POST THEM ON CNN NEWS FOR THE WORLD TO SEE HOW THEY ARE REALLY TREATING CUSTOMERS.

We have the same thing going on here. Lies, collection calls before 8: AM until just before 9: PM, hateful collections people that make threats and call you horrible names, no response to requests for workable solutions even after being assigned a councelor. After promises that nothing bad would be reported to credit bureau we are totally ruined. We couldn't get credit to buy a coke. Citimortgage bought our mortgage from ABN AMRO and we have had nothing but grief since day one. The company should be done away with and everyone investigated. I guess the next step is for Citimortgage to come in and throw us out. Class action sounds great but the thieving attorneys would get everything and we would get maybe &25.00 if we were lucky.

I agree with you, I made a repayment agreement with CITI back in 11/07, and up to this date have made my payments on time. In the last two months I have been receiving threaten letters and phone calls saying that I’m two month behind on my payments when I have fax them 25 pages showing every payment from 11/07 to 11/08 which clearly show’s that I’m on schedule with these payments, now they keep saying that they never receive the fax. They are crooks and need to be stop. If some one decide to go for the class action please keep me in mind.

the same thing is happening to me.. my phone #[protected]

Here is the email for the CEO of Citimortgage, Vikram Pandit:

Vikram.Pandit@citi.com

and here is the phone # of the "executive response team":

[protected]

Citimortgage is a rip off. I just went to them to refinance our existing loan and Joe Sermo gave me a quote double of what the average mortgage company quoted. they have no work ethic or integrity. I will never do business with them again. i can see why they are in the trouble they are in. I hope to see Joe Sermo and his friends in the unemployment line soon when citmortgage goes under.

Here I am again- writing about Citi-Mortgage. I initially posted this in September 2008 and now in May of 2009, I am about ready to lose my home. They have allowed me to opt into a repayment plan, which increases my payment from $1450.00 to $2055.00 a month. On one income? What are they thinking. If you are reading this.. hopefully it is not to late for you: I believe it is much to late for my seven year old and I. GET OUT while you can! They don't care! They have ruined my credit... I can't even refinance to get out!

I must say, that I am surprised that after this company received money from the government, they are still not willing to help. Obviously, when they gave them money, they didn't read our complaints. Good luck to all of you!

Citi Mortgage, Is a big rip-off company. I am only one month behind and they chared me 830 dollars and 220 dollars for processing, So now I have to give them the late payment of 1450 and 1050 in fees and pay my regular mortgage payment. Don't bother asking for help, because they don't give a #@%@#. They have a monopoly and they know it. you are just a number to them.

citi mortgage is a rip off! Due to my husbands illness we are one month behind on the mortgage. After several people on the phone saying they are there to help and will send some paperwork to us, only to not have any resolution and having about 5-7 phone calls a day asking for payment. no one wants to help! We had a choice of paying mortgage or getting my husbands medicine to keep him healthy.. which would you do? we have asked repeatedly for help and now received a letter saying they are going to inspect the outside of our house and charge us to make sure we still live their...Why won't they help ? we are really trying!

It sounds like the problem isn't with the mortgage company.
It sounds like your property taxes keep going up. First dispute with county about the taxes.

Make the payments in a wire transfer from your bank account...same day transaction, no fee.

i agree i to have citi and it is a nightmare my intrest rate went up to 12% it is now more than i bring home a month and they told me that i have no options with them just pay it!

Yup, that's citimortgage for ya. Our house caught fire, the check was sent to citimortgate as the insurance company signs it to both the owner and the lender. Citimortgage then disburses the check in equal amounts of 3, so you get 1 check at the beginning, another check once you are 50% or so complete with the construction and we self contracted and thank God we did because Citimortgage expects you to have your house 95%-100% COMPLETE BEFORE they release the last check! That makes no sense! It took 1 month to get our first check after calling at least 3 times a week asking where it was at. We finally got it and they signed it off to me AND the company who took our clothes to get dry cleaned because of the smoke! How does that make any sense! Needless to say, they have no idea how that happen, a week later we got another check. We asked for our 2nd check and again, you have to send receipts that add up to the amount of your first check, and so we did. Again, it took 1 month for us to get our check as we had to keep calling and every time it was something new that they had never mentioned! Whether it was to have the contractor sign off on the receipts with their number and it takes 2 days to process or send copies of the cashed checks as well and wait another 2 days to process, or that our check hadn't been approved, or that it had been approved but it takes 7 days to release it, or that it was mailed but we never received it and had to call back, etc. etc. Now, we are waiting for our last check and I am not looking forward to it. Let's see what other excuse they have!
Thank GOD we self contracted because we saved a ton of money and didn't really have to use any out of pocket money to complete it. Citimortgage likes to hang on to that money as loooooong as possible so if you are in this situation, please keep calling! They HAVE to release the funds, it's your money! Or call and speak to their supervisor, we had to do that in order for them to release our second check.

I have a rent house that we finance through citimortage. We have had the same renter in that house for over three years, always pays on time, which is a miracle if you've ever had to be a landlord. Due to an illness we fell three months behind on our payments, so we chose to do a repayment plan. As part of that citi would send someone every so often to check on the house and take pics to make sure it was maintained. On one of these occasions our renter spotted the agent sent from citimortage and asked her why she was taking pics and she said, "Honey save your rent this house is about to go into foreclosure." Which completely freaked our tenant out, and as much as I have reassured her we are making payments on our plan on time she has decided to move, and not pay in the meantime in order to save her money, which makes it difficult for us to make the payment. I believe the agent violated a privacy law, not to mention false information as we are not behind in our payments and so the property is not in foreclosure. Very unprofessional. I called citimortgage and told this to FIVE different people and basically was told it was an issue between our tenant and myself. I want to make citimortgage and their agent be accountable for their actions, so I have sought legal advice and I'll see how far that gets me.

If they over paid the taxes, you can look for the rebate from the county/city or on next years escrow payment.

If you want to speak to an American CitiMortgage representative, simply ask for one, they have two call centers located in the US.

As far as your husband's tax exemption, you will need something from the taxing authority you're under that shows a dollar amount, indicating zero dollars are due for your next tax installment. Nothing less than a real, true number dollar amount will suffice. Don't send the information to their "tax department", which is a third party tax servicing company called First American. Instead, either mail or fax to their Account Inquiries department, your escrow adjustment and refund check will come much sooner.

Citimortgage is impossible to deal with. They call constantly but when I call the number back, they hang up. (This happened 7 times in a row one day.) They supposedly did something with my mortgage that was supposed to help me. I had a letter saying what days to pay - they gave the actual dates. Then, later, they said they received a payment one day late and the whole deal was off and I owed all the money at once. I don't really know what's going to happen.

You don't call the company for the disputes, on the credit report.
You need to contact the credit reporting companies, they'll fix it. EQUIFAX, EXPERIAN, TRANSUNION.