CitiMortgage
Reviews and Complaints

my house had water damage i have been waiting for 2wks for check it here and i still cant get help until i turn the check over! i feel like walking away from this house and just start over! is there any morgage that care?

I contacted Citibank and offered to send additional funds to meet the 80% loan to equity requirement even though by their calculations its now at 78.5%. Nothing I did or offered (spoke with Vicki Oxford in their St. Louis office executive team [protected] and verified) bypassed the requirement of a home appraisal with a cost of $385. I went through this a couple of years ago and the comps used were neither the same size of home or in my neighborhood, in fact miles away, and the values came in low. I do not fear a fair appraisal but why should I do it now in a market with rapidly rising values and I owe under the 80% of the original appraisal. And, the term left on the PMI is only $200 more than the appraisal (if it were done today!) What's clear is Citibank only allow you to wait until the "automatic" TERMINATION of the PMI to receive full payments of the PMI. It's a fee that they make a lot of money on, a little over $4800 so far from me on a $138, 000 loan.

Be glad you didn't pay for the appraisal. Mine came back with some BS estimate of $2500 decrease in value. Even though my LTV is at 68%, they are refusing to remove the PMI simply because the home depreciated in value. An agent on the phone said as long as I meet the LTV requirement, they would remove it but they need that appraisal first. You're right, it is a total scam and they freaking lie. I have filed a complaint with the Consumer Protection Bureau and realise that this is really only for documentation in lieu of an eventual lawsuit. I will cost them more money to fight me in court than what they get from me in insurance money, that will make me happy.

OMG. What do we need to do? I have been trying to get a modification for 3 years with citi mortgage. I was not late when I started talking to them about my hardship. I had a perfect credit score and they would not refinance, because I was underwater. Finally, I defaulted but kept mailing smaller amount. They were taking them, and leading me to believe that I could qualify for HARP or any other program available. My 1st assigned specialist sends a list of all the documents I needed to provide. I did. Thinking that everything has gone through I waited, until I got another letter telling me that I had another specialist and to call and schedule an appointment. I lost all that time. To make a long painful story shorter, I went through more than 6 specialists in the past three years. I finally decided to buy the bullet and hired an attorney. I wasted $ 4000. The attorneys's Paralegals could not get to Citi either. Another year went by, the opened and closed my file within that year four times. The attorney took my case himself and did everything I have been doing with the difference that he called every day, he asked for someone else to review my file and 6 months later I got a letter denying me. It took 3 years for them to send a letter denying my application for a Modification. The explanation was that the bank is securing my mortgage is M & T and it does not participate in any of the programs available, and I got denied because I had insufficient income funds. No kidding. The only program they have is a repayment plan. I had to come up with $35000 to put down and then my payments will include the interest accrued, the penalties, attorneys’ fees and the principal. I asked how much would that be. They have not given me an answer of the amount of my debt with them yet. I thought about it, and I decided to give it a try I took a second job showing an increase in my income and I rented the second floor of my house. The representative took my new numbers calculated the monthly fee and he said you don't qualified for this program either. Now, he is asking me to lie in a letter saying that I don't want to keep my home and that I have refused all the retention options that they have given me. In order to qualify to do a short sale, I have to provide them this letter as part of all the documents that they are asking from me again. However, he said my best option is the deed in lieu of foreclosure because they will give me some reallocation money. I need help.

My husband and I both work for the State of MD. In July I was advised that my hours would be cut from 40 to 35. My husband would receive a salary reduction and we both would have to take unpaid furlough days. I contacted CitiMortgage to see if we could refinance our second mortgage at a lower rate. I was advised that we qualified for a modification and was given a trial period of 3 months to pay. We paid October and November but we were still getting calls from CitiMortgage asking for our payment. We would tell them that we were going through a modification, they would check and then tell us to disregard. Finally, we received a delinquent notice saying we had not paid 2 months. I called and after being on the phone a total of 2 hours and also being hung up on once, I asked to speak to a manager. She told me that we never really qualified for the loan mod and that we had to pay back what we were behind. We have not paid what we were behind and do not intend to. To make matters worse, she told me that because it was an error that she would take it off the credit report(she gave me a cof#) and that she would apply the 2 payments to one month and waive any late fees(another conf#). Well, not a chance. We are receiving letters advising that they will not take it off of our creit report and they are not even acknowledging that it was their error to begin with. It is sad that they get the bailout help and turn around and laugh at heir customers with the government turning a blind eye. Sad. My husband and I have decided that it is just a house. If we lose it, so be it. It is not worth the stress !

I applied for a Loan Modification through CitiMortgage in May 2009. The new lower (TRIAL) loan amount was deducted from my checking account the 1st of each month. I receive a letter on December 15, 2009 stating that I was declined the modification because I make too much money. I then find out that CitiMortgage never notified me to revert the payments starting in September to the original loan amount. The "partial payments" they were receiving were never posted to my account and I was reported as being past due to the credit bureaus. My credit score was 798 when I applied for the modification. It is now 635. All because CitiMortgage never notified me that there was even a problem.
The sad thing is if I refinance there is no assurance that the lender won't sell my mortgage back to there idiots.

we have been in "negotiation" with Citimortgage for 13 months over a loan modification. They have changed the Loan officer four times, make it impossible to have our attorney speak with them, and have ruined our credit. My advice is to file a complaint with the office of the comptroller of the currency. If the OCC receives enough complaints they may act on it. I am wondering why no one has launched a class action law suit. They received the biggest amount of bailout money it is time for them to pay up!

after a year of double talk and sending citimortgage paperwork over and over again...they now submited to the credit bureau that I was behind on payments...they then agreed it was in error...but the damage has been done...credit cards companies started cancelling my cards...I have never been even late on any payments...furthermore...they did NOT pay my taxes or my insurance and I had to come up with the money on my own...I am in much worse position due to citimortgages errors ...I want to know how to sue them or be a part of class action

I started the process of my loan modification at the end of October 2009 many letters and phone calls later, 9 months to be exact. I found out that they would only reduce my mortgage 7 dollars. That's right SEVEN DOLLARS. If i would have known that they were just going to waste my time i would have just walked away from my condo as many people who live here have already. This is one big game. After that the Representative said that they are trying to do a traditional modification. Lets see how long that takes.

I was approved for loan modification July, 2009; due to, my mother's medical condtions. For seven months all my payments were made on time; however, December, 2009, I was no longer approved. Due to my expenses. I had good credit and when I was no longer approved, I had to pay back money from July-December-2009 and January-2010 payments; which, total of $3, 169.00. I didn't have all the money and it was reported to my credit. Because of Citimortgage approving me for this modification and later denial me and telling me to pay all the money that was waived from July 2009, has put me in a worst financial situation. CitiMortgage should want to help their customers;instead, they act if they want us to lose our home. Due to this loan modfication, people have lost their homes.
lynette [protected]

January 2010, I applied for a loan modification. I signed a contract, from CitiMortgage, that stated it would take 90 days and I would have a new trial mortgage payment. I was reassured I qualified for teh program. After submitting all required documents and making my payments on the day I was required for 90 days, I heard nothing. On month 4, April 2010, I made my payment and was told everything was OK. That they were overwhelmed, but I was in final review. May 2010, nothing yet. Paid on time. This time I was quizzed my the girl why I in the program and told some forms had expired and I needed to resubmit. I did immediately and was told I should hear soon. June 2010, made my payment, but no progress. A phrase that I hear every time I call was "you are in the final stages of review." July 2010, made my payment with "you are in final stages of review." July 26, 2010, I receive a much anticipated letter from CitiMortgage, but this letter pushes me to the brink of suicide. It claimed I was behind 2 months mortgage and could possibly be moved into pre-foreclosure.

I call the number on the phone, but get nothing; just a full mailbox. The next day I get through, I get sent to my "counselor." I was told on July 19 I was denied the federal loan modification and on July 21 my account was sent to collections. During the conversation, the girl advised my account was moved to the companies loan modification and I should hear something within the next 30 days. I still, to this day in October, have never received notice why I was turned down, per the contract I signed. My mortgage payment was raised $800, pre loan modification. They added escrow without my permission.

The following week, the next person I get a call from was collections. "Sell your house then sir, we want our $11, 000 dollars. Don't you want to stay in your house, then we need that money.""You are no longer in a loan modifcation." So I call back my "counselor". Her voicemail stated she was in training for 30 days and would not be checking her voicemail. Her supervisor had the same message. Now began the weekly calls for months in regards to people that I never spoken to twice. I finally had someone tell me I was in the process for a company loan modification, but it would now take 60 days; the end of September, 2010 (9 months if you're keeping track). I finally had to contact a loan modification company to help me. That is $3300 out of my pocket. I pay my September mortgage on time, but technically I'm still two months behind.

October 1st. CitiMortgage collections calls like clock work, we're becoming friends now. But as for customer service, that's a different story. Citimortgage left a message for me to call, "Mr. F#####, please call me (no name left) back at 866-###-####. Thank you." I called and no had any idea who called me or why. A few days later, the service I paid for calls me and says a woman named Shirley (CitiMortgage will never let me talk to her) says she needs my 2009 taxes, which they have! So after 2 hours of trying to reach Shirley and getting denied, I'm finally told they want every piece of tax return I can send. I faxed 82 pages of Turbo Tax crap. It took 3 days to verify someone received it. I was eventually told it was received, but now Cory was my counselor. they even gave me his direct number. Well Cory doesn't have voicemail. The number given just rings and rings... It occassionally had a busy signal, but still nothing.

This time I get a new manager at customer service who even gives me her employee ID number. She tells me that I have a diferent counselor. She says she is sympathetic to my problem and doesn't understand what the hold up is. Several e-mails were sent to Cory and my new counselor and doesn't understand why no one has called me back. This manager promised she would call me back within a few hours to see if she got anywhere. Three days later I'm still waiting, but my friend the collections agent called and promised to help me if I could at least pay my late fee of $1700, even though technically I have never been late and this isn't my fault, though CitiMortgage doesn't see it that way.

I don't know where else to turn or where to go. Why do these companies assume I just have $11K just laying around when they lied and put me in this position in the first place. I have never felt so lost and such a loser. I have thought several times of pulling the trigger and ending it all. Maybe my wife could use the life insurance money to pay for teh house, but then I stopped myself. Not because the fear of death, the fear that my term-life insurance is with Primerica, a company by Citi, which owns CitiMortage, which means my wife and kids wouldn't get a dime.

I have reached out to an attorney, not a loan mod attorney..a real attorney, because I do not know what else to do. Throughout this process I have been told foreclosure proceedings would be postponed while in the modification process, then I receive a notice of foreclosure. On the notice it says a representative contacted me 6/7/2010, that is a bold faced lie. I EMMEDIATELY tried make a payment and they would not accept it. I was then told there would be no sale date while in the loan mod process, and I now have a sale date, and they still will not accept a payment. I have been told for 3 months now my loan is “locked” and its Citi’s error and they are working to fix it. I asked if it’s not fixed by the sale date then I lose my home and they said YES. I then went into the branch for help and was told to try another modification program, so I did but only to learn that I NEVER qualified to BEGIN WITH for the original loan mod program. I have been lied to, hung up on, I have been given hoop after hoop to jump through and I have jumped. Citimortgage has without a doubt FAILED to make any attempt what so ever to help me avoid foreclosure. Funny thing is, my home has value. Maybe it is in the best interest of Citi to foreclose. I wonder how many homeowners they have foreclosed on while in the modification process, I wonder how many of them had value in their homes. My aunt is experiencing a run around as well. Her husband having lung cancer is not a hardship according to Citi…their home has value.

I intend to pursue this to the full extent of my power and the law.

My message to an attorney
Your Message:
I have been in the loan modification process for 8 months with Citimortgage. I have jumped through hoop after hoop and have been told lie after lie only to find out last night that I didn’t qualify for the loan mod I was in. My sale date is Dec 20 and I now have to start the loan mod process under a new program. My gut tells me that it is in CitiMortgage's best interest TO foreclose, my house has value. I am not upside down. I have been in the mortgage industry for over 10 years so when my company crashed in 2007 I have spent the last 3 years trying to hang on to my home and just hang on. I am working now with Wells Fargo, and have pleaded with them only to hear "this is the thing". I have been hung up on, I have been thrown back into the call que...it's endless. I would truly like to see how many homes they have foreclosed on where the circumstances where similar to mine, where the homeowner was just given the run around until it was too late, I bet their homes had value as well.

Also sent to attorney:
Your Message:
I would also like to add my aunt is also going through the modification process with Citi. for about 8 months as well. She has made her payments but has occasionally been late. She was laid off a little over a year ago, then last year her husband was diagnosed with lung cancer and had to retire early and all that information was in the hardship letter to Citi. My aunt was declined, Citi said she did not have enough hardship...my aunts home has value as well.

I told the lady I spoke to today in the Loss Midigation department, I will nail a letter to the wall of my house telling the story of how Citimortgage screwed right above my cold dead body. My husband calls me at work every hour to make sure I havent offed myself.

If you have applied for a modification with Citimortgage be aware when they turn you down after faxing and mailing bundles of information over and over they will require you to pay in full all back payments due to paying the modification amount that they instruction you to do. I called twice a week for a year the end result no modification and I had to take money from my retirement account to catch up my house payment. They did not care that my husband had a brain bleed and I lost my job do to a buy out by a French company. There collections department is in a the Philippines you can refuse to speak to them and ask for someone from the US.

I've been riripped off by ccitciticiti II nneeneed help just llike typing hhere they want my money for spespell check so this is what there making me ttytype citi ririppripped me off been over 2 yrs I still don't have deed in my name so I can't even speak tto other ppl like fefemfema bebecause my name Is not on it but II paid there lawyer 1000 dolldollars pplplusplus they stole my escrow money I had to pay 6000 hehelphelps pleaseplease

Since my postings a number of us have shown an interest in initiating a class action suit for their unfair and illegal truth in lending practices .
I have initiated a class action suit and have gotten many responses on here.

I to am in the same boat as the rest of you .
Their unfair and illegal truth in lending practices are gonna catch up with them.

I Have an attorney taking the case on a contingency basis and there will be no out of pocket expenses just to talk with him.

THE MORE WE ARE, THE STRONGER WE ARE !

if you are interested
Contact:

Seth Kolton

Weiss, Handler & cornwell

2255 Glades Rd

suite 218A

Boca Raton, FL 33431

[protected]

sak@weisshandlerpa.com

refernce class action suit

James Hirschfeld

You don't mention if they're calling a cell phone or land line. The good thing about cell phones is you can set it so that calls from certain numbers have a silent ringer...that way you'll never even know they're calling :)
Citi used to call me about my student loans literally the day after payment was due if they hadn't received it. Even if your mortgage payment isn't technically past due (as in no late fees have been assessed), most banks consider it late starting on the 2nd of the month.
But if your payments genuinely aren't late, just stop answering the phone and save yourself some grief :)

You missed the payment, why shouldn't you pay the late fee? Doesn't matter if it's the first or one of many, you still owe the late fee. Next time make your payment on time.

If you can't afford your current mortgage payment then you should sell the house or lose it via foreclosure.

I paid off my mortgage on October 20, 2014. Citi sent my escrow refund check to an address in a city I have never lived at. After 54 min. on their "customer" service line to people who could barley speak English I finally got to leave a voice mail for the fraud department. The address was changed while I was driving across Kansas by who? They are looking into it. There is a menu choice on the fraud hotline for problems with fraudulent escrow checks but it sends you right back to the non English speaking customer service idiots who can do nothing for your issue. With the menu choice on the hotline something must be up with the escrow system being hacked or something. I would never ever uses this company for anything again.

Flood Insurance nightmare! Citimortgage has raised our flood insurance as well. They created an escrow account and now hold our payments in an escrow account as well. Calls every day telling me they want the additional payment. I told them as soon as they refund my account to me I will make the payment. After reading these comments it sounds like I need to get a lawyer.
Last year we tried to refinance due to high rate of interest on this building. After 3 months of harassing I said enough. They called our insurance agent and insisted he rewrite policies and send me the bill. They requested not only statements from our checking account but flagged deposits and wanted me to go back to the source of the money and provide check stubs. In the end they turned us down. Why make S10, 000.00 in interest a year when you can may $20, 000.00. Yet they send out special delivery letters to reapply. These people need to go down. I would not keep a nickel of my money in that bank!

Well, coming from someone with a long term Real Estate background...Something here is misunderstood. when a lender sells your loan to another lender the terms do not change in anyway, whatsoever... And about your escrow account...you are only able to close an escrow account AFTER you have paid 20% so usually 5ish years into your term. (based on a 30yr note) The only way i see that your monthly payment would go up is if you had an 80/20 loan or some other subprime scamish loan they were giving at the time. which mean yes your rate was fixed..but only for a period of time. But subprime went away a few yrs back, so idk what u got urself into! then its adjustable! So in conclusion...Refinancing your home in this ecomomy= huge mistake! Especially from AIMLOAN.COM! ask yourself these questions: Who are they? Where did I find them? What kind of scam were they selling that you bought into? Not too smart to Refi a house worth 850K for a measly 140K you just signed away your property worth a ton on a 140k loan...BIG MISTAKES ALL AROUND! Pull out your closing docs from the loan from AIMLOAN.com and review, then ask CITI to send you what they have and compare...then use some of the 140K u borrowed and hire a real estate attorney! good luck!

My name is Brenda and I'm a low-life.I like to go on http://www.complaintsboard.com and diss people because I have nothing better to do.My 600 lb. husband left me for a beautiful blonde who was 18 years old and 110 lbs.Me?I'm a 1, 000 lb. 50 year old woman who never worked a day in my life and I sit on my ### all day and collect money from the government.I think I'm perfect and everybody else never does anything right.I make fun of people who have learning disabilities because I'm that pathetic and heartless.I also don't care if people say I'm pathetic and heartless because...well...I am!My name is Brenda and I'm the reason you all pay taxes and shoot yourselves.

My mother had an accidental death policy with Assurant Specialty Property to cover her mortgage with Wells Fargo. I sent my mother's death certificate to Wells Fargo and the insurance was never taken off her mortgage payment and it continued to be added to the mortgage payment long after mom had died of natural causes. I finally was able to reach Assurant Specialty Property in Miami, FL on the phone, told them I wanted to be reimbursed and was told I had to send my mother's death certificate, the Letter of Administration from the judge appointing me to act as personal representative of my mother's estate, a letter, and my phone number/s so they could reach me. I did everything requested of me and also included in the letter my only request was that their refund check be made out to me so I could cash it. (I was the one making the payments since her death and our joint bank account wouldn't cash her checks anymore because she had died the year before.) After not hearing from them for a while I phoned. I was told maybe the check was sent to Wells Fargo. Then I was told it was processed and I would be receiving it shortly (or something to that effect.) When I received the check it was made out to my dead mother. I called them. They said they couldn't make it out to me, that it was against their policy. The bank won't cash it. I knew they wouldn't. So I'm stuck with a worthless check.
What do you do with a company like that? i notice there's a lot of complaints about them.

Who do I need to call I want to sue them for predatory lending practices . I'm still in nightmare with them going on 3 yrs no one will help I need a lawyer

I've got a 30 year mortgage with Citimortgage, and I've called customer service once, that was today. I wanted to request to have my payment date changed because all of my bills are due at pretty much the same time. Well the answer was no but that's not the complaint.

The man, who I could barely understand because he didn't barely spoke English, persisted in trying to sell me a CREDIT CARD! I'm calling to change a payment date, and I have to deal with what amounts to a telemarketing ploy.

Not only would he not take no for an answer, he read his script in response to everything I said, I couldn't understand him, and I had to hang up the phone on him because he just wouldn't accept that my answer was no.

That is LOUSY customer service, if that's what you can even call it. It seems that since companies have to deal with do no call lists, they try to reel you in when you're only calling for help. This is a disgrace and terrible business practice. I'm a good customer and this is how good customers are treated by Citibank I suppose.

Thanks for nothing. I won't likely be calling "Customer Service" again.

Hi crf18, I work for Citi and I'd like to see if there's anything I can do to help with these issues. I don't work in the mortgage division, but I do have customer service contacts there. My email address is below if you'd like to send me a note.

Kind regards,
Frank Eliason, Citi
Customer Service & Advocacy
frank.eliason@citi.com

Your Mortgage is a contract, not an agreement like a credit card, so the due date set in the Promissory Note is FOREVER! Try actually reading your closing documents before making a stupid call to a mortgage company, you idiot