Citi Mortgage Customer Service

User Reviews, Ratings and Comments

Citi Mortgage customer service is ranked #510 out of the 538 companies that have a CustomerServiceScoreboard.com rating with an overall score of 19.02 out of a possible 200 based upon 555 ratings. This score rates Citi Mortgage customer service and customer support as Terrible.

NEGATIVE Comments

546 Negative Comments out of 555 Total Comments is 98.38%.

POSITIVE Comments

9 Positive Comments out of 555 Total Comments is 1.62%.

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CITIMORTGAGE SCAM: I documented all dates, CitiMortgage employee names/IDs, conversations re: my loan. Aurora sold to Citibank in 2005.

3-way conversation with Citimortgage customer service & tenant who wanted to ensure loan was not in foreclosure before signing lease. My loan "was not" in foreclosure, however behind 4 months. Citimortgage told my tenant on this 3-way call loan was not in foreclosure. Walked into local branch to make mortgage payment per my agreement with same cust serv rep.
CitiMortgage banker could not find my loan!!! I told her no worries, I'll make my payment on line. I could not make my payment on line. Come to find out, Citimortage pulled my loan & transfered over to their foreclosure dept. to start proceedings. I was livid!!! My tenant had moved in. I did not learn of what was going on til 2wks later. They mailed back my large payment I mailed to Citimortgage stating I needed to "cure the full balance" including foreclosure fees. They referred me over to 5 Star attys who are assigned.

Needless to say, I'm seeking legal representation from a high caliber real estate specialty legal firm & inquiring on other class act suits against Citibank/Citimortgage.

Anonymous 5/16/12 11:00PM
With property values dropping, my home was underwater and I could not refinance when I called last year. Then, through the government-sponsored HARP program, I learned that I could refinance. I was very up-front with CitiMortgage about how I am moving to Singapore on 6/29, so I called CitiMortgage in early April, with about 90 days to spare before I planned to move and rented out my home. I spoke with a Sales Consultant named Daryl White. He offered me a APR of 4.65% with closing costs of $4700. I asked around to see if this was a good deal and after a little over a week of thinking it over, I called back to agree to the deal.

Daryl tried to put the deal through but he got a computer error and told me he would have to charge me an extra $1000 and give me a new rate which would only save me one dollar more a month than the loan I was originally offered. I asked to speak to a manager and he said that they were all on vacation, so I decided to wait. From this point forward, Daryl was consistently irritated with me. A few days later, a manager named Joel Williams returned my call. When he tried to look up my loan, his computer locked up, as did all the computers in his office. He did not called me back for several more days, even though I called him and left him a message nearly every day.

Meanwhile, Daryl was calling me about every-other day aggressively trying to get me to give him my credit card number. I would not give it to him until I got some straight answers about why I was being charged an extra $1000. Daryl sent me an email saying he needed to process my upfront fee of $135. He meant $575. He has had many instances of not being able to keep numbers straight� and this is what he does for a living.

When Joel called me back, he said he was able to get me a similar loan to the one I was initially promised, with about $4900 in closing costs. I agreed to this. After about 4 days, the paperwork arrived and the closing costs were around $5600. I tried to call Joel for about a week to find out why I got ANOTHER bait and switch. When he called back, he said it had to do with the time of the month that the loan was entered and that the costs were pro-rated and would fluctuate because of that (Daryl was not able to explain this to me). I thought that sounded ok. At this point I reminded Joel that I was moving in June, as I wanted to make sure the deal could still get done on time. Even thought I had told Joel this once before and discussed it with Daryl 4 or 5 times, Joel reacted as though he had not heard this information before. He said he was not sure the deal could get done now that he knew we were moving. He said he would check with someone in Risk Management and get back to me tomorrow.

It took several days for Joel to call me back. In the meantime, Daryl called me again. I told him how I was waiting a call back from Joel as he wasn�t sure he could do the loan because I told him we were moving. Daryl said, �Wait, you�re moving?� like we had not discussed it before. I said, �Daryl, if you�re hearing this for the first time now, it�s because you haven�t been listening to me.� He responded, �I can�t remember everything, I�m not a computer.� He went on to tell me that they probably would not have enough time left to process the loan. Then he told me it was my fault that CitiMortgage did not have enough time to process the loan because I did not give him my credit card number when he first asked for it. He didn�t care that the terms of the loan kept changing, he just said that I should have given him my credit card number and that it was all my fault. I asked to speak with his supervisor, Joel, again and left another voicemail.

The next day Joel called me back and explained that it didn�t really have to do with the amount of time before we moved, but the fact that I disclosed that we were moving at all. Daryl did not know what he was talking about and I am so glad I did not allow him to charge me the up-front fees. They would have to give me �investment property� rates of about 5.5% with over $5000 in closing costs, which Joel admitted would not be worth my while as I am currently at 5.75%. I thanked him for being straightforward with me and then told him a little about my frustrating experience with Daryl. Joel seemed sympathetic and said he would have a talk with Daryl.

So after this experience of 5+ weeks and probably 20+ hours of frustration, I�m left with these questions/thoughts:

1. This is the worst customer service I have ever received in my life. Joel was kind but not easy to get a hold of. Daryl was rude, aggressive, misinformed, unhelpful, had a hard time explaining things, could not keep track of numbers, did not remember previous conversations and would not use his computer or a pen to record important notes.
2. Why couldn�t anyone tell me up front that we could not refinance this as our primary home the first time I told them I was moving?
3. Why do I get penalized for telling them my future plans?
4. I would love to sell my home, but I can�t. This is not an investment property, it is my only home and I will be renting an apartment in Singapore. Isn�t this government program still designed to help people like me? All I want to do is break even (i.e. have the rent cover the mortgage), and now I can�t do that.
5. Why do I have to work through my current lender to refinance (another HARP question)?

I give up. I feel defeated and helpless. I�m convinced nothing can be done now to make this right, but my story needed to be told.

Frustrated 5/16/12 3:47PM
It is so sad to read all of these homowner comments that are just like mine. And we cant do anything about it. Citimortgage is forclosing on my house right now...set to be auctioned off June 18th...yet Ive had to fill out 2 sets of paperwork claimimg they lost the first set...then they stated I would know if I was approved for the home modification loan in 6 weeks...well my house auctions in 3. Coincidence..I dont think so. They dont want to help!!! I have legitimate reasons my house payment got behind (and only 2 months)I was laid off and unemployed for 8 months, and during that time was hospitilized with a genetic disease. But Citimortgage could care less...they just want my house. My house appraised for 110,000 and I owe 47,000. Have lived here for almost twenty years, I have a four year old, and I am back full time employed and make decent money, but they are still forclosing. They are horrible and I dont see how good people could even stay employed there.

rose252 5/16/12 8:47AM
My ex-husband was six months behind in mortgage payments. My name is on the mortgage and CitMortgage modified the home loan. Problem 1.) They helped him violate a court order 2.) No information was ever provided to me, signed by me, or approved by me 3.) I had no knowledge of any modification or his non-payment
4.) He has a year and a half to refinance and pay me (lien on record against the property) 5.) Common sense-he was behind for 6 months and not only did he ruin my credit but his own and he will not be able to refinance. Thanks for helping put the screws to me-the one obeying the court order and trying to maintain good credit. I have had to hire an attorney and this is going to cost me thousands of dollars.

Rush41 5/14/12 6:24PM
As everyone has read online, Citi Mortgage is part of a group of 5 banks that due to poor business practices has been told that they need to make interest rate modifications to home loans that are current but the homes are underwater.
This was determined by the US Attorney General. We have friends that have already completed their refinance through what is being called the National Mortgage Settlement or the Attorney General Settlement that have their mortgage with Wells Fargo, however, Citi hasn't even rolled out the program. We called to get things started, they never said it wasn't available yet, we continually said that was the plan we were interested in but yet they pushed all the other programs which we knew we didn't qualify for. So now, we have wasted over 2 months supplying all this different paperwork for something we weren't even interested in and we find out that no one knows what it is.
To make matters worse, we went into Wells Fargo yesterday to speak to someone about how they are doing these refinances for the settlement and they said that they enter your account number look at your drivers license and then they adjust the interest rate and send you the papers. No forms to complete other than the closing papers.
I am appalled at how long it is taking Citi to get onboard with this program that they are legally obligated to do.
On a side note, we were denied the other products (which we knew we would be) over a week ago and we only found out because my husband called and spoke to someone else other than our contact. Who by the way doesn't hardly speak any english and whose emails are horrible. My husband had emailed our contact as soon as he saw we missed their call (they can't leave a message in our state) saying to call him back and he didn't. In addition, the website hasn't been updated either to show the status.
What kind of circus is being run over there?

really annoyed 5/8/12 9:07AM

Official company reply

really annoyed, CitiMortgage will have programs ready for current but underwater Customers under the National Mortgage Settlement right around June 1st. I'm sorry you've had a poor communication experience with your CitiMortgage representative. Stay in touch with me and our www.homeownersupport.com site and we'll let you know as soon as we're ready. I'll also connect you with a member of our Homeowner Assistance Escalations team to be your single point of contact.

Kind regards,
Mike Cardace, Citi
michael.cardace@citi.com
customer.help@citi.com

If you email me, please mention you came from CSS site, and include a copy of your original post as well as your address/best phone#. Thank you.
MikeCardace 5/10/12 5:53AM
ciimortgage dont work with u evey time is different people u talk to they were helping me with loan modidfication or harp program i was waiting on paper work when i called back i was notified thy forclosed on my home now they are giving me the run around . please be aware of them!!!!!! they say texas is not a redemption state but if they now they misled you that they can reverse the forclosure. need help but citimortgae workers r not listening!!!!!!

out of a home 5/5/12 9:40AM

Official company reply

Hi, please get in touch with me, I'd like to have your experience reviewed.

Regards,
Mike Cardace, Citi
michael.cardace@citi.com
customer.help@citi.com

MikeCardace 5/10/12 5:56AM
How can these people live with themselves? Citi lies, misleads people thinking they are going to help. There is NOT one person there to help. We got behind in our mortgage due to mainly health reasons and being off of work for some time. Citi helped us out by doubling our payments to get caught up. Of course we couldn't do that so our home did go into foreclosure. So I contacted the heartless sob's at citi and they made me feel so bad about myself for getting behind. Guess the citi employees never had health issues. So to make a long story short I wanted to get caught up before they sold our home and wanted to know how much I needed to get current? Citi refused to tell me that information. All they wanted to do is do a loan mod. At this point I told the numerous reps that I didn't need a loan mod I just wanted to get current and get back to paying my normal mortgage. So I had to contact the law firm handling the case (Trott & Trott) they got me the information I needed. But of course the very smart people at citi refused to take my money and get current. They wanted to do a loan mod. I told them time after time I have ALL the money needed to get current. Nope they refused it every time. So the sheriff sale date approaching fast I contacted them everyday on what to do. They told me the sale was postponed so we can get this issue resolved. Well the sale date came, I called them well they sold it anyway. Now we had 6 months to get out. These lying deceiving monsters don't care one bit. We as a family will survive in this world. We are honest hard working people. I just hope the soulless, scum at citi know that you are doing terrible things to good people. I understand that some foreclosures can't be helped. This one could of been resolved very easy. Citi is not big to fail and they will. I just hope that all of these uncaring people find themselves in a situation where they need help. The sleepless nights, the stress, the worrying that these people cause. I hope they feel this for themselves and think back on all the people they made feel this way. Just remember citi honesty will prevail not dishonesty, lying, and misleading.

Honest Family 5/5/12 6:59AM

Official company reply

Hi, if you would like me to have your experience reviewed in its entirety, please send me an email.

Sincerely,

Mike Cardace, Citi
michael.cardace@citi.com
MikeCardace 5/10/12 6:00AM
Have had Citi for quite a few yrs after they bought our mtg. Never a problem. 2 months ago they sent a guy to take pics of our house and another one to talk to our neighbors. I called them to ask why and they told me that we were in foreclosure. I stated that this was news to me. VERY long story short, we were behind 2 payments. Have since caught them up. However, Citi said (and STILL) says that we are 5 months behind on pmts. They have been applying every cent of our mtg. pmts. to INTEREST ONLY for over a year now. They said it was because of the type loan we have. When we are late our mtg. accumulates interest daily and that has to be paid. So, for over a YEAR NOTHING has been applied to the principal. The problem was referred to the "Research Dept". I was told to fax them proof of two payments, 1 which was credited to our account over a year ago, and 1 this past month which we had also been credited for. So, I sent the proof. They took the foreclosure tag off of our account and said it would be fixed. I actually have paid them 6 payments in the last 8 weeks. As far as my calculations go, we don't owe another payment until August. I received the new statement in the mail last week stating FINALLY that our next payment is due May 13, which "appears" that they must have fixed the problem. However, I got online today to make the payment and they have me locked out of the account AGAIN because they are saying now that I owe them back payments since JANUARY! OMG! I called YET AGAIN and spoke to a b**** manager that referred me back to "customer service". I then was transferred to another INDIA idiot who can't even speak English. Very sarcastic. Told me I am paying only interest because I am late. HE said I owe back payments since OCTOBER! I told him I wanted to speak to this "Research" dept. He said, "There is nothing to research. Pay your bill". I called him a few choice names and hung up on him. I then called back and made yet ANOTHER payment. Stating to the person on the phone to make yet ANOTHER notation that they have STILL not credited me for all the payments I have made since FEBRUARY. This has made me NUTS! It never ends with these idiots. There is no one else I can talk to that will FIX this problem. I am out of resources and patience. I just keep making payments and NOT getting credited for them. If anyone knows of a class action suit or wants to talk about starting one, you can contact me at anya40anya40@yahoo.com. I have had enough. They threaten foreclosure EVERY MONTH! I have owned this house for 15 years and have NEVER had a problem until now. Seems that they are up to something, due to the fact that so many of us are having problems.

anya40 5/4/12 1:42PM
This is some of my email sent to MICHAEL CARDACE today. He is kindly responding to the messages on here, but may not realize that we then get more of the same!
My original problem is that we were told by our Citi rep that we had to send in an offer on our house to have the negotiator work our the HAFA application for us. We did that and then were denied HAFA (which we are in hardship/disabled/loss of income) BECAUSE we already "had and offer".
Here is some of what I wrote to Mike....
_________________________
(we originally were asked to contact you via the CSS site)

When you said our issues would be escalated to the Executive Leadership Team, and Brian called and represented himself as such, my husband and I had great hopes from his promises. We both were involved with his call. We waited to hear back from him, but when we did not, but got our Short Sale offer, I called Brian back.
Well, our Realtor,was absolutely correct. Brian is clueless to our account.

He was unfamiliar with our account, our need for appeal, and that he was to be doing anything.

He said "You were denied HAFA because you had an offer." I told him, I know, that is what I first told you!
That was all he had.

We were originally informed by Shari, from Citi, (**WE HAVE PROOF IT WAS PRIOR TO OUR OFFER**) that we had to have an offer and that the negotiator would submit us for HAFA (I am forwarding that email to you from Shari). Our Realtor and myself had several conversations and emails with Shari, and other reps, (and got appologies for other wrong info given).

We were also told that I could not speak to someone in Short Sales, because you didnt have a Short Sale Department. Wouldnt THAT have been a help early on?

I will continue fighting this appeal for HAFA, even if we have to accept the offer so as not to continue in our stress over keeping this house in my disability.

Citi has financially devastated us in our hardship.

No department knows what the other is doing over there, and the customer pays. With thousands and thousands of dollars that we dont have!

So what is being done to assist us?

Please understand my extreme frustration, as I am disabled, stressed, and feel just worn down to desparation in all of this
_____________
I just read the comments written by employees on here (see link above). They say exactly what all of us customers already feel, that we are being pushed off and no one is really taking our needs seriously.

Disabled.Honest 5/2/12 7:35AM
Citicorp is the worse mtg. bank to ask for any kind of help. We were late 3 times in the year 2010 ,so they put it on our credit report. I asked them if they would remove it cause at that time my husband lost his job. They didnt care they said they will keep it on our credit report for seven years.. No help and they wont refi our home n they wont give us a loan modification, and now we tried to refi and no one will do it .. we also tried to buy another home , and again no bank will do anything ... so Citicorp wants us to stay with them at an 8.5 interest rate ,so they can makes money on us... all other interest rates are low... all there really doing is making money on us and putting a hardship on us... maybe we should call and attorney... the loan we have with citicorp is a daily interest loan which is the worst loan for people , but for citicorp its great , they make lots of money on the people... but wont remove anything from your credit report to help you out... I am so stressed out with this company...
M. Lopez We need a good lawyer

maryann 5/1/12 1:51PM
I had a job relocation, and could no longer pay the mortgage on the property I once lived in. I decided to short sale it, because renting it out was an additional big expense, I could not afford. Citi Mortgage holds a second on my house. I have been trying to close a short sale on my house for the last three weeks, after the primary lender has approved the original mortgage short sale. I have found them to be extremely incompetent and careless in the servicing of short sales. The Citi Mortage short sale rep kept asking for the same documents after we sent and resent them. Then they ordered an appraisal on the wrong property. Then my wife was advised that our loan modification was denied because we had continued to make our loan payments. We had not applied for a loan modification. Next they supposedly approved the short sale but have held it up now, because the property is sold to a relocation company. We have had a buyer under contract for 6 months now, who has become very impatient because the short sale process with the original lender, and now Citi Mortgage, has taken so long. Citi Mortgage is now saying that my relocation company cant sell the home to a buyer for another 30 days after the short sale approval, and have not responded to emails or phone calls in over aweek. They are wrong about relocation sales. My home buyer is threatening to walk away because it is taking so long. Now my relocation company is advising that if the short sale is not completed this week, I will have to start the process over, without any of my benefits. Citibank is the worst company I have ever done business for customer assistance. My home is in foreclosure status and will be sold at auction soon, if this short sale does not work out. All because Citi Mortgage refused to respond to urgency of this situation.

distressed customer 5/1/12 6:05AM
I have had nothing but problems with this company sinse they bought my loan in 2007. I filed bankruptcy in 2005 that I didnt include my house or my car. My mortgage company was Trustcorp back then and not once did they ever complain. I signed all the paperwork and never heard anything else after my bankruptcy was final. Now CitiMortgage turn into the credit union that I included my home and when I contest it the credit union said that they proved it so it stays on my report. Now they want me to in 2012 to sign more papers to reinstate my loan. Its not my problem the mortgage company they bought it from lost the papers not to mention I dont believe for a minute they would of bought the loan if it was written off.I only owe less then 39,000.00 and have always made my mortgage payments even during the bankruptcy and this is how they treat there customers.Im looking into hiring a lawyer and taking them to court for damages. The times we live in are stressful enough without them playing with my credit and my life.

DeltaDawn 4/26/12 10:53AM
Been out of work for about four months. Been working with CitiMortgage to receive unemployment program. last three months were hell. Fax over all my documents. It was in reviewing, Which I had to call all the time. Always had a different person on my case. Just receive a letter in the mail. They declined my claim. Didn't provide my unemployment documentations. Called them and there answer was,don't know why. Wait one month then reclaim. Sorry, But I need help now. My house payments are not behind. But the last charges kill you. 60.00...Just looking to lower my payments so I could get back on my feet. Not done yet. People should not have to go though this. Looking for help to make a claim. Not even done yet with this ...

Anonymous 4/25/12 11:30AM

Official company reply

Hi, sorry to hear you are out of work. Let me try to help you navigate here. Please send an email to customer.help@citi.com, copy/paste your post, mention you came from CSS site, and include you address/best phone#. I'll try to help right away.

Regards,
Mike Cardace, Citi
michael.cardace@citi.com
MikeCardace 4/26/12 7:31AM
My experience with Citi has been a nightmare to say the least. My husband was killed in a motorcycle accident. The estate went into a long probate. The entire time, I sent Citi updates on what was going on. Did what I could to keep the mortgage current. About a year into the probate, Citi stopped cooperating. I was unable to keep up with the mortgage as all my funds were tied up in probate. Citi sent me a letter stating that they would allow me to assume the mortgage loan on a non-qualifying basis. However, once I contacted them about the assumption they said they were already moving to foreclose. So here I was stuck in probate because of my husbands unexpected death, and now facing the bank trying to take my home. I spent months going around and around with Citi trying to work something out. I tried to put in for a MOD, but they were still moving to foreclose. A rep I was working with promised me that things would work out. she suggested that I enter a Forebearance Agreement. I asked her a bunch of DIRECT questions concerning the forebearance. She assured me, it would solve things. When I received the forebearance packet via UPS, the deadline for returning the signed documents was ALREADY expired!! The terms of the forebearance were also nothing like she promised during our phone call. In a panic I tried to contact her over and over for days. No return, VM mailbox full, and the clock ticking. I contacted a HUD agency to help navigate the mess and we conferenced a call to Citi. I was in a panic because I didn't want to enter the forebearance agreement without someone answering my questions but I didn't want to risk moving into foreclosure by not making a payment or responding. The rep that we got on the phone said, "I don't know why you're calling, we have the "signed" forebearance agreement in your file. Just go ahead an make your payment, you're fine! I argued with this man for 30 mins and said you CANNOT have a signed agreement in my file as the paperwork is still right here! I'm calling to get answers to my questions, however JACKIE my rep from Citi will not answer nor return my phone calls! He insisted that they HAD THE SIGNED agreement in my file. At this point, the HUD counselor that was on the call said, it's best not to argue, they have the agreement you'll be ok and not move into foreclosure. I told him, I didn't sign the agreement and I hadn't made the forebearance payment! The Citi rep said, it's all good, just make your payment on the phone. Two days later, I get an overnight pkg from Citi, stating because you FAILED to make your scheduled forebearance payment, we're moving you back into foreclosure. They sent it to the attorneys and all sorts of fees and penalties were added to my balance. I called Citi immediately and said I did NOT default on a forebearance agreement as i NEVER SIGNED THE PAPERWORK and sent it in! They sent the case over to their security personnel and I worked with a Mr. Carpenter in Irving. After investigating the rep Jackie Jackson, who NEVER returned my calls and disappeared off the face of the earth had FORGED...and I repeat FORGED!!!!!!!! the Forebearance Documents and put them in my file. Therefore, when I didn't make the planned forebearance payments I defaulted on the agreement and they sent me back into foreclosure. They wouldn't honor the assumption letter through this whole nightmare because the house was in foreclosure. They wouldn't allow me to do a HAMP mod, because the loan was in my deceased husbands name. It has been THREE LONG years and I'm still battling with citi!!! Ms. FORGERY Jackson had immediately transferred out of the department whe was in (Loss Mitigation) and was now nowhere to be found. I'm stuck with forged documents in my file, and a house in foreclosure. Citi was allowed to commit FRAUD!!!!!!!!!!!!!!!!!! and no one gave a damn!!! I ended up having to file for bankruptcy to prevent losing my home to foreclosure. I'm now working with NACA to try and get a MOD. I've also contacted my senators, congressman, and every other political figure I can find an address for. I've put in for a government audit of the loan. I've contacted Fannie Mae. I will fight to the ends of the earth...to SAVE MY HOME from these CROOKS! They DO NOT CARE. THEY LIE They tell you a million different stories. They have you send the SAME paperwork over and over and over and over!!!! They call non-stop. They never have the same answer. This is NOT the American Dream of homeownership. It's a NIGHTMARE from HELL!!!!! And Citi does NOT care. Run FAR and Run FAST!!! Do NOT work with these people. Do not take a loan with these people. They are corrupt and they will commit crime to steal your home. They will FORGE documents!!! It's bad enough losing your husband...but to have a bank then want to use that to swoop in and steal your home, and without remorse! Sad Day in America!

CitiWillBeTheDeathofMe 4/25/12 7:12AM

Official company reply

Hi, I read every single word you wrote. I'm concerned, to say the least. I think it's best for me to ask you to please copy/paste your post into an email, and send to me. Please include your address/best phone#, and mention you came from the CSS site. I will have a caring, knowledgeable CitiMortgage Representative try to assist, immediately. I want to have your entire experience reviewed.

I know it's been a bit of time since your husband unexpectedly and tragically passed away, but I wanted to offer my sincere condolences to you, and your family.

Please get in touch with me.

Mike Cardace, Citi

email: customer.help@citi.com
email: michael.cardace@citi.com
MikeCardace 4/25/12 8:20AM
Citimortgage has the worst customer service ever. And if you are looking to do a bi-weekly payment, beware. Your interest rate is to be calculated on a daily basis but then am charged an extra day every two weeks. So I am being double charged every two weeks. Was also transferred 3 times. That is horrible and irritating. They are not properly trained at all.

horner 4/23/12 3:49PM

Official company reply

Hi, I've already been in contact with product managers here at CitiMortgage who want to speak with you and investigate your experience. Clearly, something is not right here, and we will figure it out right away. Please get in touch with me at the address below.

Copy your post into an email, mention you came from the CSS site, and include your address/best phone#.

Kind regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/25/12 8:08AM
We have been trying to get a copy of our original to complete a refinance with another company but unfortunately it does not pay the Citimortgage portion. We have made 5 separate requests, received 1 email of a pdf doc that would not open with password they gave us, have 3 investigations open about why we seem to not be able to get anything, have 4 conf./investigation #s, 2 direct lines to people who never answer and one whos mailbox is full. We have spoken with 9 different people in 3 different countries. All we want is a COPY OF OUR LOAN for the underwriters. I HATE this company HATE HATE HATE! I think everyone on this site needs to contact their Attorney General and complain. Citibank are robbing us left right and center and their name is not in the news.

decjb 4/23/12 10:17AM

Official company reply

Wow, terrible experience, for sure. Please contact me, and I'll make sure you get prompt attention from someone who will try to assist. I will also have your experience reviewed to find out why it was so terrible. My apologies.

Please send me an email, copy/paste your message, mention you came from the CSS site, and include your address/best phone#.

Thank you for sharing your experience,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 4/25/12 8:06AM
I will not get into the runaround this company has given us over the past year. To be honest, my husband has been dealing with most of CitiMortgage's BS and I've only heard about bits and pieces of what has happened. I DO know that they are RUDE, treat you like you're incompetent, don't get back to you at all, give you scripted answers when asked a question, and unwilling to help when you're in need. We're not asking for a handout. We're asking for a modification to keep our home. It's worth $300,000 less than what we bought it for. Now my family of four, which includes 2 children under the age of 3, will struggle to get back on our feet no thanks to you and your terrible customer service.

graybutterfly 4/19/12 11:53AM

Official company reply

Hi graybutterfly, obviously I can't comment on what help we can/can't offer without knowing more specifics, but, there's no excuse for allegedly rude treatment of a Customer under any circumstances, as well as follow up that is not timely or doesn't happen. So, for these experiences, I truly apologize.

I'm sorry to hear your family is struggling, and I'd like to try to get you quickly in touch so we can revisit your situation right away. Of course, I can't make any guarantees or promises, but you will be contacted by a caring individual who will do his or her best to try to help.

Please send me an email at the address below, copy/paste your post, and include your address/best phone#.

Regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 4/25/12 8:03AM
Wow! Reading over these comments is like dejavue in a 7 month long endeavor to get a mortgage restructure! I had a buyer all along, but was proceeding with the restructure in case something went wrong...which it did...over and over and over again. Lost documents and requests for refaxing etc was the norm for me also, only to be denied because I didn't make enough money...DAH! So a second offer for the property came in just as they were refusing my restructer which would pay off both first (Citi) and second mortgage, but Citi had sent it to foreclosure while we were in the midst of applying for a short sale! Then this second offer comes in but the attorney fees that were piled on immediately , $2100, plus the additional attorney fees assessed within the next 30 days have now put me in a short sale mode again. Of course, I can get info from no one about were my request is in the process. There is absolutely no sense of urgency shown ever. It is just a merry-go-round of passing the buck. NO one can give you info but your assigned account manager, but she is never available, so they make phone appointments which she rarely keeps (probabley because they told me that she handles 150 customers and I have found her answering various different line on the rare occasion I can get through.

They say that anyone who answers can help you, but then the one who answers needs you to tell your story AGAIN, tells me I will have to speak with my account rep (who is unavailable) only to ask if you want to make a phone appt with your rep, who doesn't call at appointed time and so on.
So this week I have called the legal department, who has referred me back to Citi after Citi told me I need to speak to the attorney's office who is handling the foreclosure, who can't understand why they have my account when I have a qualified buyer...all the while I am praying that someone will take the ball and do something before I lose this buyer! The newly assessed attorney fees, which at last check were 4200.00, which they tell me cannot be waived, could actually keep this property from being closed on April 30, less than 2 weeks from now! Where is the disconnect here?? What am I missing? If the foreclosure proceeds, Citibank will be eating those attorney fees, right? So why not stop the foreclosure, stop accruing these fees and sell this NOW???? My buyer has sold their home and need to proceed with this closing but knowing that Citi is holding things up, and just may walk! Then we all loose!

patriotgirl 4/17/12 10:17AM

Official company reply

patriotgirl, let me step in here and try to help. Please copy/paste your post into an email and send to me at the address below. Mention that you came from the CSS site, and please include your address/best phone#. I'm very sorry your experience has been so frustrating, let's see if we can turn it around.

Kind regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:21PM
Horrible Horrible. We too had our loan SOLD to Citi and its been a nightmare for the last year, My husband was self employed and lost his business when the economy got so bad. We got a modification with all the same lost paper work, a million phone calls, never the same customer service agent, and my "specialist" got FIRED in the middle of it all...at least thats what i was told by customer service. finally got the modification done, if thats what You want to call it. The big modification was about a hundred bucks a month on my 1300.00 payment. Needless to say i give up, they can have my house back. I owe 60,000 more than its worth since the market crash and I would rather buy groceries than pay them.

schwendee 4/15/12 8:11AM

Official company reply

schwendee, my apologies for the lost paperwork during your loan modification process. If you'd like to get in touch with me, I'll ensure we're doing all we can to help you. In particular, you may be eligible for potential benefits under the National Mortgage Settlement if CitiMortgage owns your loan. If you can't afford your mortgage, please let us continue to try to work with you. I'll personally assign someone to work with you.

My email address is below. If you get in touch, mention you came from the CSS site, and include your address/best phone#.

Kind regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:29PM
Trying to Refi my house and at first all was smooth i got them all the documents they needed quickly and they would call and make sure everying was going smoothly. Now however it seems like they need more and more nonsense. First they wanted to make sure i had $7800 in a checking or savings account, i can't get my loan processor to answer her phone or return my messages and when i call to complain to her customer service manger who doesn't answer her phone either, i can't even leave a message because her voicemail box has been full for the last week!!!! Give me a break!!!!

Anonymous 4/13/12 2:50PM

Official company reply

I agree, what you describe below is absolutely unacceptable. Please get in touch with me, and I will inspire action immediately.

Please copy/paste your post and send me an email. Also include your address/best phone#.

My apologies for this poor level of service.

Regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:32PM
CitiMortgage has absolutely the WORST customer service department I have ever had to deal with. Both representatives and supervisors were unable to assist me with the most basic question as to if I have an automatic draft set up on my account. If I could take my business away from citi I would in a heartbeat, but then that would mean refinancing which I can't do.

Anonymous 4/13/12 5:37AM

Official company reply

Hi, I will put you in touch with someone who can answer all of your questions. I don't know what the problem was answering these basic questions. I'm sorry.

My email address is below. Send me a note, include your address/best phone#, and we will be in touch immediately.

Again, I'm sorry, please give us a chance to regain your trust.

Thx for being a Citi Customer, I appreciate your business.

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:34PM
Citibank is a bunch of lying, cheating crooks. When it was announced in November that Citibank was going to help homeowners by lowering mortgages by $20K, what do they do? They sell my mortgage to another company who never heard of this. Even though IAW the bank's time frames of 08 to 11, I qualified, but shortly after this, days later, they sold loaned and now deny me this reduction of which our taxpayer dollars bailed their tails out on. Screw Citibank. I had been paying my loan with them on time, since Jan 2000. No disruptions and yet they screw me over.

Jeff 4/10/12 3:11PM
OMG the post I just read is the exact same thing that is happening to me. I am a customer I can pay my mortgage, but want a lower rate. Its been over two months and nothing. I am not sending another document. Citi Get it Together. This is not a hard process, lower the rate haven't you heard of the President of the United States and his program....I need someone who know what they are doing at citimortgage contact me, but that is impossible, no one knows what they are doing over there....

Anonymous 4/10/12 12:18PM

Official company reply

Please contact me and I will personally hand you to a team of folks who will do their best to help, based on your financial circumstances. I'm sorry you've been frustrated thus far.

If you email me, please include your address/best phone#

Kind regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 4/18/12 6:37PM
Citi sent me a flyer to refi my loan. I started the process in December and now that it is April we are still trying. The discount will only be $100 less a month than I pay now. I already pair $685 for the appraisal. Today I learn that I have 48 hours to send in a bunch more documents. I already have my loan with them and they are treating me like someone new. I am able to pay my mortgage now but since they invited us to refi we thought what the heck. They call and leave a long list of things I have already sent twice. They do not have a live person to talk to when you call back, We have decided not to proceed with the refi. They have not met OUR expectations!

North 4/4/12 8:49AM

Official company reply

North, please get in touch with me and send a quick email. I would like to have your experience reviewed. I'm sorry we haven't met your expectations.

If you email me, please include your address/best phone#, and mention you came from the CSS site.

Thank you,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 4/18/12 6:41PM
2008 Citimortgage gave us 100% loan on our home.
2009 I became disabled, losing a considerable amount of our income. 2011 We were selling furniture and other personal items to pay Citi, but realized we would need to leave our loved home (I could no longer care for such a large home).
Long story short, we contacted Citi and have worked closely with one Representative trying to get a HAFA Short Sale going. We followed all her recommendations and she gave misinformation several times, and didnt let us talk with the departments we would ask for (she didnt even think they had a Short Sale Dept!!) but we sometimes caught it and even downloaded docs from online to get in. She did tell us (and we have emails showing this) that we had to get an offer into the Negotiator and they would let us know about the HAFA program from there.... WELL, we were DENIED HAFA due to "not seeking HAFA prior to getting an offer". SERIOUSLY?? Now we are getting emails from someone at Citimortgage who is not signing the emails, and wont tell us the appeal process or his title. ALSO, they wont look at the emails we have (and all those recorded calls). This will cost us HAFA security as well as our $3000 relocation fund.
They got their bailout, cant a disabled, honest person get heard from Citi? They made several errors, but we are the ones to pay. HELP!! Nobody there will listen now.

Disabled.Honest 4/3/12 9:08AM

Official company reply

Hi, thank you for sharing your experience, which as you describe is very concerning to me. I want to have your experience reviewed immediately and have someone inserted who can try to help. Please send me an email, copy/paste your post and any other info you'd like to share, and include your address/best phone#. Also, please mention you came from the CSS site.

Regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:52PM
I was in the hospital with a sudden sickness for months. I fell behind in my payments by two months. I called CM to be put on a repayment plan. This start in October of 2011. CM stop accepting my payments and nowhere it is April of 2012 and my mortgage is behind $10,000. I have the money, but they keep saying that i have to continue to wait for the underwriter to allow me to repay my mortgage payments. Recently, I was serviced lawyer papers stating that my home is in foreclosure status and that the lawyers are handling it. When I called the lawyers to repay they said they do not have the claim, CM does and I have to wait for them. Every night I pray and pray and cry and pray that some good news will come out of this soon. I too send in my pay stubs bi weekly just incase they try to say they do not have this or that. I agree, the rep they gave me is no help. If i wouldn't of call them 3 times a week i wouldhave never known that they actually closed my case becase they had asked for more paystubs and he (my rep) never called me. Nor did i receive a letter.

ineedmyhouseihavekids 4/3/12 1:37AM

Official company reply

Hi, I want to try to help, but I need to better understand some of the details. Please copy/paste your comments, and send me an email at the address below. Include your address and best phone#, and mention that you came from the CSS site. I'll get someone to try to help right away.

Regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 4/18/12 6:55PM
I read recently (March, 2012) that Citi mortage is being required to give $2,000 back to those of us who lost their homes illegally. Really? Two thousand dollars! Former homeowners lost much more than $2,000. Citi and all big banks should be required to give us our homes back, pay us for damages, and remove the negative credit they created by stealing our homes. That is the least they should do. Fannie and Freddie should be held accountable too. We can never recover from the heart break and financial losses. Our homes were our biggest assets. We trusted Citi although they lied. We beleived they wanted us to stay in our homes. They knew the government would bail them out so foreclousing was easier and less time consuming than working with us. $2,000 doesn't help me regain my vast losses. It insults me that our government offered Citi, Bank of America, Well Fargo etc such a small portion of their wealth to repay former homeowners. I bet lot of documents are hidden or tossed in the shredder if government officals request document while the audits are taking place. Govenment audits are going on until July, 2012 since their are so many accounts to review. Keep detailed reports of all conversations and documents sent to Citi. They will erase any or all of the documents and conversations to cover their butts. They hire whimpy people desperate for a job. Many of the Citi jobs are going to India and the CEO is from India. Top positions are held by people in India too. There is no loyalty to Americans. The big shots do not care, therefore, the entry level employee is forced to pretend to be helping customers.

Contact INDEPENDENT FORECLOSURE REVIEW at 1-888-277-8969 to report your problems with CitiCorp and request a review form. Also, The Board of Governors of the Federal Reserve System and THE OFFICE OF THE COMPTROLLER OF THE CURRENCY (federal bank regulators.) KEEP ALL DOCUMENTS FOR PRESENT AND FUTURE REFERENCE. The government review (audit) date has been extended until the end of July, 2012. Fight this huge financial giant!

Governent Audit in Place Now 3/29/12 8:01AM
I too have spent countless hours on the phone attempting to get the same answer or correct information from customer service twice. I get transferred, hung up on, forced to jump through a different hoop and mislead each time I call. I have had employees tell me they get in trouble for helping homeowners. The supervisors hide people whom got a reduced mortgage rate although they own homes over the government regulated home value and do not qualify for the Hamp program. They robo sign documents and foreclouse on homeowners knowing from the start they are not going to "work" with homeowners to keep our homes. I lost my home although Citi customer service told me my loan was "under the review status" the whole time, then foreclosured with little notice for me to move out. Document everything in great detail. Write down employee names, dates, time and date when and if you can get an answer from Citi on the phone. Get them to put your agreement in writing. I trusted Citi like millions of homeowners. Send letters to Fannie Mae, Freddie Mac, Citi President and keep all confirmations of registered letters and/or fax paperwork. Citi will lose tons of doccuments you send. They stall anyway they can.

Truth is the government did not regulate big banks although they get bail out money each time they ask from taxpayers. NEVER TRUST CITI you will be homeless if you believe what you have been instructed to do!!!! They do not care about breaking laws and steal homes everyday.

Citi Lies 3/29/12 7:24AM
Citimortgage has horrible business practices and will not help customers when it comes to working with loans.

Was taken back in 2006 when a loan agent gave a 2nd mortgage 105% over worth @ 11.99% interest!!!!! have been paying for almost 6 years with $23,000 paid in interest alone. They won't work with me to get a lower rate.

Myk C 3/21/12 5:45PM
This company SUCKS. 25 minute phone call, FOUR transfers, FOUR times I had to repeat multiple pieces of identification. And here's what I found out. You CANNOT pay your mortgage in two parts on your own. The only way to make your mortgage payment biweekly is if you sign up for THEIR program which costs $375 to sign up (@#$%&) and THEN they charge a monthly $3.00 "processing fee" for the privilege of getting my money more frequently. This should be illegal. And their customer phone service is horrific.

Tlovins 3/19/12 4:24PM
HORRIBLE CUSTOMER SERVICE, AN ALL AROUND TERRIBLE EXPERIENCE. I WAS DENIED A LOAN MOD AFTER WORKING WITH THEM FOR 1 YEAR. I POSTED A COPY OF THE EMAIL LETTER THAT I SENT TO MY "NEW SPECIALIST" ON THIS WEBSITE AND NOT SURPRISINGLY IT WAS REMOVED. I CAN NO LONGER MAKE MY MORTGAGE PAYMENTS. I CANT DEAL WITH THEM ANYMORE. I LOST MY SANITY, I WAS A NERVOUS WRECK, DEPRESSED AND ANGRY, THEY JUST DON'T CARE.ID RATHER SPEND MY MONEY ON HEALTH INSURANCE AND GROCERIES THAN GIVE IT TO THOSE UNFEELING NON-CARING MONSTERS. THEY CAN TAKE THEIR LOSS AND I CAN GET MY SANITY BACK.
LASTLY, AS I EXPECTED, NO ONE FROM CITI RESPONDED TO MY EMAIL AND PHONE CALL CORRESPONDENCE. NONE OF THIS SURPRISES ME AT ALL
IM DONE

SDHMOWNR 3/19/12 10:15AM

Official company reply

Hello, my name is Mike, and I work for Citi. I'm very sorry you feel this way, and I'm sorry you weren't able to get a loan modification. As you likely you know, loan modifications can be achieved in 1 or 2 ways. There's the Federal government's HAMP program and there's a loan mod program through your servicer, CitiMortgage. I don't know the specifics of your loan, but many times we do not actually own your loan. We service it on behalf of an investor who actually owns it. We work on your behalf to try to modify your loan. In the end, the investor makes the decision, not CitiMortgage. But, I understand why you're so upset, it's your home we're talking about. Send me an email, copy/paste your post from here, and tell me you came from the CSS site. Also, include your address and best phone number. I promise I will respond, and I will try to see if there any other programs/options for your loan.

Regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 3/19/12 11:46AM
They are sooo frustrating. I fell behind with medical issues. Wow it's amazing to read all these comments!! We too have had frustration with Citibank! I faxed in pages and pages of documents and they always came back with oh just one more thing. I was in tears finally and said are you sure, the last guy told me I only needed one more thing. It was a lie, then the next person would tell me I need to fax some other pages over. It was never ending! Plus have you all had Safeguard involved? We told them it is a rental, but they took our nice large door handle off and changed the locks!! Where is our handle? They came into our home took pictures and billed us for "winterizing" home when the power and water is still on! The citibank rep even made call to Safeguard to stop and they continued to bill. Then they say let us review with some department to investigage. I have called lady back and left messages but all I got was a letter from her with her number to call. I have called but fees are still on loan. We just went ahead and paid total due. We are up to date on loan but now they put something on called an Assignment of Mortgage? What is that? Where do we make a complaint!

FRUSTRATED!! 3/18/12 6:25AM

Official company reply

Hi, please get in touch with me, copy/paste your post into an email and say you came from CSS site. Also, please include your address and best phone#. I will do my best to try to help.

Kind regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 3/19/12 11:49AM
Unlike so many of the comments that I have read regarding CitiMortgage, I would like to add a little twist. My husband is self employed in one of the oldest and still family owned businesses in our County in California. My husband has had a thriving business for over 40 years... Well, before this housing & bank fiasco that is..but as I was reading the complaints about the poor and inexcusable customer service, I realized that alot of them were because of lack of follow thru on both parties or at least that is what I believe the Citi management may say but this must be stopped....We started our HARP program( SAME OLE STORY, GREAT CREDIT, NO LATES, BLAH BLAH BLAH, PERFECT FOR WHAT THE GOVERNMENT INTENDED THE PROGRAM TO BE FOR, RIGHT????)in Dec & it is now the middle of March and the loan is still not complete. Before 2009, We were living the american dream, investing in property, investing in our retirement,finishing up raising our children, planning for a rainy day(although 4 years of the economic rainstorm you can't plan for) and never ever having issues with getting loans for anything we wanted and always paying them off and always knowing what it takes to get a loan approved. I am an insurance agent and I am used to the top 5 banks trying some of these ridiculous techniques listed on most of these complaints & because I do have great customer skills... I find that usually if you attack their requests-head on-you can win, but with Citimortgage I don't believe it is possible!! I have completed every request in less than one to two hours & I always fax & email the request & have kept every conversation taped & have kept every correspondance. Our loan processor barely speaks English & has absolutely no customer service skills or common sense. She responds with a new request every week usually on every Wed and Friday & always after 2pm pst which is very close to closing on the east coast so that it delays the process until Monday. Very cleaver don't you think... Well since I know now that this is a complete scam I am writing this for the folks that are not as far along in the process as we are & hopefully maybe I can help someone out that is reading this...We are in a flood zone and since I am a fema certified agent I know all of what that is required & what type of coverage is required and what is deemed acceptable proof. I have personally sent Citibank 26 faxes & emails proving I have flood coverage & we even have 3 flood policies to cover even our out-buildings because Citibank said that since the appraisal had the out buildings we have to have them covered even though the loan is only for 141k and the flood coverage is 250k & Citibank never required it before. We decided to purchase the additional policies to get the loan through so I have paid for the appraisal, paid for the extra policies, paid for the subordination(what a joke that is)all of which is not required by any other bank(I checked)& we were just told that even though we only get 2 days to respond to their requests(always complete within 2 hours)they are saying they now need an additional week to go over the latest flood policies(BIG FAT JOKE!!! THEY ARE 1 PAGE DECLARATIONS)and I have sent them the proof over 26 times so the twist is Citibank must be going bankrupt soon because there is no other explanation for delay.. delay.. delay... No corporation would treat all their customers this way.. Do they not know the 1st customer service rule??? For every unhappy customer they tell 10 times the amount of people than the happy ones??? I have just decided I am not giving up & not going to stay quiet any longer I am going to post a utube video, call the media, get ahold of some government officials and I suggest everyone that reads this does the same Squeeky wheel gets the grease!!!

squeekywheel007 3/16/12 12:14AM

Official company reply

Hi, your note sounds familiar, I believe we have already connected via email. How is everything going? Feel free to email me or post an update on the site.

regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/19/12 11:53AM
Citimortgage is unprofessional, unorganized and a terrible company to work with. I have had the worst experience with them since I first applied for a modification in 2009. I get different answers from each person that I have spoken to (who apologize for the misinformation that I got from the last rep I spoke with),and they lose my documents or tell me that the documents have expired and I have to resubmit them again. Its 2012 and I am still waiting for an answer...I reapplied in January and was told that the process this time around would be much quicker and smoother. I recently received a UPS package from Citimortgage asking me to submit some documents which I already submitted. I don't see how thing have gotten better...its the same terrible service.

anonymous 3/14/12 11:25AM

Official company reply

Hi, I want to personally get involved in your case. Please send me an email with your post, and mention you came from the CSS site. Include your address & best phone#, as well.

Regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/19/12 12:12PM
After getting a mail inviting us to re-finance at a much lower interest rate and after calling & submitting all of our information, we have been TRYING FOR OVER A WEEK JUST TO GET A CALL-BACK!! We have sat on hold twice just trying to get through to ask, "Did we qualify?!" This is a big red flag. Yes, we are going to refinance. No, it WILL NOT be through Citi Mortgage! Wow. Worst customer service possible.

vdubs 3/14/12 6:11AM

Official company reply

I apologize for your experience, I agree, unacceptable. if you haven't gone in a different direction yet, please provide me with a chance to help and set our relationship on the right course.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/19/12 12:36PM
I'm having a bad experience with this company with my mortgage as something seems to be very wrong with the way they are posting my payments and conducting business. Before losing my job I had never missed a payment on my home loan and I had also paid extra money on my mortgage as an attempt to pay my loan off earlier. Many times I would pay $500-$1500 a month additional on my principal to help bring my balance down. When I did however come into financial difficulty the company advised even with my history of good payment and paying off some principal there was nothing that they could do. My payments were still late! I didn't understand how if I was paying down my princpal some the company should be able to see that my this would shorten the term of my loan. I was quite puzzled and still am. At one point the company offered me a modification but it really didn't benefit me. With the modification my interest rate stayed the same and I still made the same number of payments. I was just given some time to catch up the payments. I currently have a 6% interest rate and filed bankruptcy and I asked for a loan modification but during the bankruptcy I never got a response from the company and everytime I called I was advised there was nothing that could be done and the representatives will tell you anything to get you off the phone fast. This has been going on for 7 months now. I don't feel favorable about this mortgage company and would not recommend them to anyone.

Many big companies like this are sucking the life out of consumer's and we feel like we can't do anything. I would have felt that all the years of my paying extra on my principal would have put me in a good place with this company but it did not. I HATE THIS COMPANY as well as the different insurance companies that inflate the value of homes so that they can make more money!!

feelingtheblues 3/11/12 2:48PM
I will try to be brief but this is very difficult due to the fiasco I just experienced with Citi Mortgage. I recently read the below complaints on this board and I said to myself there was no way this company could be this bad. After dealing with my recent experience,boy was I wrong.

I went to Citi who already owned my first mortgage because at the time I was told Freddie Mac HARP 2 loans needed to stay with the initial lender. I applied on Jan.11th 2012. .I told them at the time of initial application that my second mortgage was owned by Huntington and that for some odd reason it did not show up on the credit report. I told them with Harp 2 fixed loans a loan to value ratio did not apply but they told me they required an appraisal anyway.

The initial rate was 4.65% for a 20 year fixed with a closing cost of about $7000. Everything went fine until the end of Jan. when I received a new Good Faith Estimate that Increased my rate to 5.65% and increased my closing cost to $24000 .At that point I was upset but when I called I was told it was a computer generated error.and that they wish the the company would stop sending those.

As the deadline loomed in early March I was told there was an increase in the rate to 5.5%
because they "discovered" I had a 2nd mortgage and it increased my LTV ratio.They implied I had not told them about the 2nd as if I was trying to hide it from them. I told them to go back and listen to the tape of our conversation from the initial application. I was told that they did not have the tape and they tape only randomly.

This was a pure bait and switch situation. I asked them to kindly honor our verbal and written agreement.They offered to reduce the proposed rate from 5.5% to 5.35% as a good will gesture. I told them I would not agree to any increase in rate .It was unethical for them to try to increase my rate.

I then asked Mike Cardace to help.Mike seems like a great guy, very friendly and I like him a lot.Unfortunately Citi gives him no power to intervene at least in this case.He tried but was overruled by the Sales Department.

I wrote Mike a letter in support of his efforts(refer to below).Hopefully it will get read by top executives at Citi Mortgage and one day there will be a change.

FYI to anyone looking at HARP 2 loans on March 19th,2012 Fannie Mae and Freddie Mac computers get updated to from 125% LTV to unlimited LTV ratio.At that point you can go to any approved lender.

In the long run by having this happen it will work out better for me.I should be able to refinance under HARP 2.at a lower rate and a lot less hassle.

The funniest thing was the day I told them I would not agree to an increased rate I received another Good Faith Estimate in the mail.This one was for a $20,547.45 increase in the closing cost.This proposed increase would take my closing costs to $27,041.15.My wife and I at that point had a good laugh in disbelief.It was a comical situation.

Finally best of luck to Mike.Hopefully he will bring about change someday.For right now with Citi he certainly has a lot of job security.

Hi Mike,

You seem like a nice guy . I hope you understand there needs to be a cultural change there at Citi in order for any true improvement in customer satisfaction to occur.For that to occur that would take a mandate from your top management.They would have to buy into this.That is the only way things will change. Instead of "screw the customer in any way you can "philosophy it should be" let's be fair to the customer".I am not saying the customer is always right because sometimes they are not.
You have to deal with the complaint boards every day. I need not say more. I know I am preaching to the choir.You know this already.It takes what we all learned in Kindergarten.It sounds corny but it is The Golden Rule."Treat people how you would like to be treated" It is as simple as that.In this case there was a verbal and written agreement. Honor that agreement like you hope someone would for you if you were the one applying for the loan.

I am a family Doc at a large group practice. I have learned from experience that the key to patient satisfaction is asking one question.That question is "Did you have any other concerns you wanted me to address today "or "Can I help you with anything else" If you do this your patient satisfaction scores will soar. I alone went from the 4th percentile to the 93rd percentile with that one question alone.

When our patient satisfaction scores at Main Campus which were low and were recognized by our CEO major changes occurred.He bought into the need for a culture change and mandatory classes to the physicians were set up on how to be caring and nice to patients.

In this day and age expectations for excellent service are high.You can be technically excellent as a physician but unless you have people skills you will never be perceived as a caring physician.

I took the time to write this letter hoping that it could be helpful to you in order to make the needed changes for CITI.

Kindest regards

msw 3/11/12 1:31PM
What in the heck is going on with Citi Bank! Who is living high off the hog and getting rich with this motification scam you got going on here!!!!! Every single one of these poor people who trusted their bank and followed their direction in doing this modification thing have lost their home!!!! Your response is always the same....Oh call me I'll seee what I can do. Truth is....there is absolutely nothing you are willing to do or these people wouldn't have gotten forclosed on! You people at CitiBank should be so ashamed of yourselves. For hard working honest people who want to do whatever they can to save the homes they have worked so hard for and being thrown out of their homes and there is absolutely NOTHING you at CitiBank are willing to do for them.

discusted! 3/10/12 10:54AM
Ive never seen a company this big that had this terrible customer service. I filed a ch 13 in August 2008, reaffirming on both first and second. Citi has the 2nd. I cont'd to make monthly payments. About every six months I would get a 'your delindquent' letter from Citi. I would contact them and ask for a payment history. they would never send it, and not contact me about delinquency. Finally, about August of 2011 I received another delinquency notice, and this time Citi sent the payment history. It showed payments every month, just it would show 2 payments credited to the same month ? did this for three seperate payments, over 2 years. When I finally got ahold of somebody at Citi, they looked into it, and blamed it on the fact that, since I had qualified for loan mod on my first, I had automatically qualified for the mod on the 2nd, but that Citi had failed to contact me. Got all that worked out, and was set to make loan modofication payments in Jan, Feb & March of 2012. Made Jan & Feb trial payments on time. When I called to make March, they said loan had been sent to "recovery" on Feb. 23rd. ?? saying I was 270 days past due. ?? whats the point of a "trial period", if they cut you off in middle ? So, while I was making Jan & Feb trial payments, that time was counting as days past due, or what. I ask or what because NOBODY at Citi can tell me why, or answer ANY questions. They all say," You need to contact recovery dept" so, Its 4:25 pm here (PST) I call recovery, they say " we're closed, please call back during normal business hours. Normal business hours are 7:00am till 7:00pm CST" DO THE MATH--MORONS, 4:25 pacific is 6:25 central !!!! Why are you closed, when it says 7-7 central, or....5-5 pacific !! TA-DA!!! Wasnt that hard ?? I've got free legal help in this state, when it comes to home loans & modifications. These people are incopetant. They are too big for their own good. Got 100 (approx) offices nationwide, not a one knows what the other is doing. Will NEVER deal with them again

LR Wilbanks 3/8/12 7:55PM
I went through a chaper 7 bankrupcy, but was able to keep my home. My bankruptcy filed all the necessary paperwork with Citi to tell them that my home was not going to be included in the bankruptcy. However, my mortgage statements kept saying that it was "not a bill" and I could not access my account online, even after my bankruptcy was finalized. I contacted Citi, and they said that I had not re-affirmed my debt with them, and so I could not access my account online, that my payments would not be reported to the credit bureaus, and there was nothing I could do to change my "status" with them other than have my bankruptcy re-opened by the court and have my debt re-affirmed. Unfortunately, by the time I had figured all this out and gotten to this stage after multiple calls to my lawyer and Citi, it had been to long and I can't have the case re-opened. So now I'm stuck with some sort of quasi mortgage and I fear that Citi will try to take my house somehow by saying that I gave up ownership or something because I supposedly didn't re-affirm my debt. I can't refi because I'm upside down in my home value, and with a bankruptcy on my credit, no one will touch me.

coolguy101 3/8/12 5:34PM
Let me tell you how much I hate this company. I was in a car accident and couldn't work for a year so I called them to see what could be done with my mortgage so I didn't lose my house. They set me up with a payment plan where I was only paying half of my monthly mortgage for six months, then after six months I had to come up with a big payment which made up for the other half of the monthly payment. At the time I thought it was great they helped me out and I still have my home. Several years after my accident I am trying to purchase a new home. Because my escrow increased during the six months I was only paying half of the payment my big payment was miscalculated, so when I made my big payment it did not bring my mortgage current. I called to make this big payment over the phone so that I knew I had the correct amount. The next month when I got my bill it was really high. I called and asked why and they told me the escrow went up. Ok fine no big deal paid it and was up to date. Since they failed to tell me my escrow went up and the payment wasnt current they put on my credit report that I defaulted for three months!!! I am now just learning all of this because Im trying to buy a new house and its showing up. In order for me to be able to buy a bigger house for my family I need the agreement letter for the half payment. Do you think these people can send one stupid piece of paper. Oh hell no. I have been on the phone with them for over a month at least 3 to 4 times a week trying to get this. I hate this company and I hope they fail. The customer service sucks.

Anonymous 3/7/12 6:32PM
We did a home modifcation in 2010, we were not late on any payments but Citi reported to the credit reports that we had 7 or 8 late payments, so now our credit is ruined. We have called probably 15 times to have Citi take these reports off and they reufse to do it. We have a daughter in college and s son who has special needs and we can not get the loans for school or adpative equipment we need for my son. We are so disappointed in Citi, I am not sure why they treat their customers like this. We did everything they asked of us, we did not walk away from our home like many did and this is what we get in return....

Kathy E 3/7/12 7:21AM
What a Horrible companey no wonder they need Government Bail out
My father died 6 years ago my step mother continued to live in the home untill october of last year.
after a suspiciouse fire causing 20,000 damage to the garage and recieving a partial insurance payment for contents.
she abandoned the property and moved to another city.
This has been our family home for 5 generations .i am the Building official for my city and we are very agressive with properties in the condition this one was left in we demolished over 100 vaccet and abandoned properties last year.
a vaccent propety in this city will be striped of anything remaining of value within a matter of weeks .
So i secured the property spending my own money,my step mother sighned a noterized assighnment of rights and a quite claim deed and has called the bank several times to try to tell them she can no longer pay and wants me and my wife to take over the mortgage.
things seemed to be moving forward well.
we were assighned a specialist of some kind named linda carl.
linda ask me to fax all the documents to her so she could scan them into the system.
everything seemed to be going great.
we spent more then 4 thousand dollars of our own money and moved back to our family home .once linda verified everything we were assighned a home owner specialist .
thats where every thing has went to crap.
now after sending more than 40 documents from the assighnment of rights ,copy of original mortgage,fathers death certificate,all the info they requested from me including pictures of al the damages .
oh yea when my step mom moved here and her new husband striped the house of several items anything they could sell lights,cabnits,wood stove and chimney,water heater you name it.
also i have good credit and have bought 4 homes now including a short sale from a local bank that we financed ,repaired and sold to our daughter so this is not my first rodeo.
first problem we were advised to do a short sale and they sent the paper work to me to find her and try to get it filled out and sent back.
I asked is there going to be a issue with ARMS LENGHT TRANSACTION.....NO THIS IS A DIFFRENT PLAN.AFTER GOING THROUGH ALL OF THIS .AS ME AND STEP MOM ARE ON BAD TERMS TO SAY THE LEAST.AS SHE REALIZED THE BANK WAS GOING TO SEEK COLLECTIONS ANYWAY ..SHE SIGHNED AND SENT PAPERWORK..SHE WAS DENIED APPROVAL .wHO KNOWS THE REASON.
NEXT I MAKE A CASH OFFER .
TWO PROBLEMS WE FIND OUT THAT THE LOAN AMOUNT FAR EXCEEDS THE ACTUAL APRAISEL VALUE.
THEY WONT EXCEPT LESS AND NOW START TELLING ME THAT IM NOT AUTHORIZED ON THE ACCOUNT AND THER NOT SURE IF THE ORIGINAL PAPERWORK WE SENT IS OK OR NOT.THEY NEED TO VERIFY IT ...ok LETS DO THAT IN THE MEAN TIME IM NOT AUTHORIZED ON THE LOAN BUT THEY CONTINUE TO EMAIL ME DOCUMENTS TO TRY TO GET TO MY STEP MOM BECAUSE SHE IS NOW AVOIDING THE BANK.
ONE PERSON TELLS ME TO JUST START MAKING THE PAYMENTS IN MY DEAD FATHERS NAME AND GET IT CAUGHT UP BECAUSE THE MORTGAGE IS 90 DAYS BEHIND .....IM NOT DOING THIS WITH OUT SOMETHING AT LEAST ADDING ME TO THE ACCOUNT THEY WANT ME TO PAY BUT CANT TALK TO ME ABOUT THE LOAN.ARE YOU KIDDING ME .
ITS BEEN THREE MONTHS NOW TRYNG TO TALK TO THEM.NO ONE RETURNS MY CALLS.NO ONE CAN READ A LEGEAL DOCUMENT .NO NO ONE HAS THE AUTHORITY TO MAKE A DECISSION.
ITS NO WONDER THIS BANK NEEDS BAILED OUT.
THEY HAVE NO CLUE WHAT THERE DOING.
I AM WILING TO PAY THEM THE ENTIRE AMOUNT OWED PROBABLY 20 THOUSAND MoRE THEN ITS WORTH ....BUT THERE GOING TO HAVE TO CARY THE NOTE CAUSE NO OTHER BANK WILL.
ALSO AFTER LOOKING CLOSER AT THE MORTGAGE I HAVE REALIZED THEY ONLY HAVE A LIEN ON THREE OF THE FIVE LOTS.
I AM AT A COMPLETE LOSS OF WORDS TO DESCRIBE THIS SITUATION IN COMPLETE DETAIL.
LONG STORY SHORT IM OFFERING THEM A BAIL OUT I WILL PAY FOR THE SENTIMENTAL VALUE IN THE PROPERTY THE ONLY LIVING PERSON ON THE MORTGAGE IS ON THE RUN ,ON DRUGS AND BROKE .
HERE I SIT WILLING TO PAY THEM AND TAKE THE HIT FOR CLEANING UP THE MESS LEFT BEHIND .
AND THERE NOT WILLING TO TALK TO ME EVERY TIME I CALL NOW ITS SOMEONE ELSE GIVING ME ANOTHER REASON THEY CANT DO SOMETHING.
i JUST WANT TO KNOW IF ANY ONE CAN TELL ME WHERE OR WHAT GOVERNMENT AGENCEY HAS OVERSIGHT OVER WHAT I THINK HAS BEEN FRADULANT LENDING PRACTICES AND HOW CAN I CONTACT THEM AND FILE A COMPLAINT OF SOME TYPE.AND IS THERE ANY MANAGMENT LEVEL EMPLOYEES AT THIS COMPANEY.SOME ONE ABOVE ALL THE CALL CENTER IN GUATAMALLA .
THAT HAS A BOSS TO ANSWER TOO. AND HOW CAN I CONTACT THEM.

on a mission now 3/3/12 10:37AM
i have been try to get my reinstatment on my loan for over 10 days. what is up with this company. nobody can not get nothing done. i call the foreclosure attorney and they say they can't get the information that they need from you to get this done. what a lot of wasted money and time. i call you and you can't tell me what i need to get this done. you can sure sell my house really fast, you can give me late notice fast, you can charge me late fee really fast. but to get things right you can't even tell me what i need to pay you to not sell my house.

john desrocher 3/2/12 5:14PM
I have been on hold for over an hour just to talk to someone about a refinance or 2nd mortage. There should be a way that citimortage can "call me" when someone is available to talk to. After reading the comments concerning citimortage I'm wondering if anyone is going to answer at all. I'm afraid to try and call any other number because then I'll be disconnected and have to wait at the end of the line -- again. I've already talk to two people and both said they are tranferring me to a mortgage consultant. I reach the next number and the person says they will transfer me to a mortgage consultant...???

Anonymous 3/2/12 10:16AM

Official company reply

Hello, thanks for sharing your feedback. We are aware that there are very long hold times in our Mortgage Sales centers, currently, and for that I apologize. We are working on it. If you like, please get in touch with me at the address below, and I will have someone call you on Tuesday to discuss your loan.

In your email, please copy/paste your post, tell me you came from the CSS site, include your address or loan#, and best phone#.

Kind regards, and again, my apologies,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/2/12 12:22PM
Reading these comments is very scarey since I'm in the midst of refinancing with CitiMortgage. Everything appears to be going really well, but it's not completed yet. The two people I've worked with give me different information and different guesses as to how long it will take. At this point, it would seem to be easy to at least give me a very good estimate as to when this will happen.

Ann W 3/1/12 7:29AM

Official company reply

Hi AnnW, I'm concerned you're getting different information from 2 people working with you. I'd like to step in and try to help to ensure things stay on track. Please send me an email at the address below, copy/paste your past and mention you came from CSS site, and include your address and best phone#. I will have someone contact you.

Kind regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 7:56AM
I have been with Citi for 10 years. I contacted them from work today to inquire about a refi and was told that the hold time would be an hour. I spent 4 hours on hold.

I finally used another phone (while still being on hold with the first phone) and called the main customer service line, thinking that I somehow had been bumped in their phone system. The rep told me that I hadn't been bumped and that I should hang up the first phone, and that the wait time with the person she was going to connect me to would be 14 minutes. HOW DOES THAT WORK?

Needless to say, I waited 45 minutes and gave up. I cant spend 5 hours on hold. I have a job to do if Citi wants their mortgage payment every month.

I then called back and asked to speak to a manager and asked if Citi could just take my number and call me at their convenience. I was told that they could not take my number and call me back and that the wait time was now 5 hours and 50 minutes if I would like to be reconnected.

When I made a complaint about the wait times being ridiculous, I was told that if I called between 10 pm and 6 am, I would probably only have a hold time of one and a half hours.

I am not interested in staying up all night to refinance with Citi.... and don't want to deal with the rudeness exhibited by the staff at Citi.

Glad I saw the postings here.....

jds-ard 2/29/12 9:51PM

Official company reply

jds-ard, all I can do is apologize profusely for the wait time in our Sales call center right now. I am aware of it. There has been a huge influx of calls and we are trying to deal with it. Thanks very much for posting. Send me an email at customer.help@citi.com, and I will get some information and have someone call you at a convenient time. Again, my apologies, I know this is inexcusable, and we're working on it.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com

ps: please copy/paste your post here, tell me you came from CSS site, and include your address and best phone#.
MikeCardace 3/1/12 6:25AM
I had to wait on the phone a total of 5.5 hours in 3 days because every time they would transfer me, I would get disconnected or it took 1 hour of hold time. I tried to get a HARP zero cost refinance loan. I was pre-qualified/pre-screened, then they transferred me and the idiot had no record of me in the system! The last person wanted to charge thousands in closing costs on a zero cost loan and I said, "NO WAY! I never got a refinance loan or any loan because these people are idiots! How do these idiots stay in business?

BBAASPENCER 2/29/12 10:04AM

Official company reply

BBAASPENCER, I'm sorry for the poor experience and 5 hours of hold times across 3 days. I will help and have someone knowledgeable about HARP contact you directly. Please send me an email, copy paste/this post, and include your address or loan#, and best phone#. You can also visit our www.homeownersupport.com site for info and a great blog post on HARP.

Kind regards, and again, my apologies for poor experience recently. Please get in touch.

Regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 6:52AM
I was put on a modification trial, they told me as long as nothing changed or my payments were paid on time I would be approved at that payment they gave me. after 18 months they told me I did not qualified and I needed to make up the payments. which would have been more the the original loan amount 700.00 more. They already had a sheriff sale. SO PLEASE IF ANYONE READ THIS, BECAREFUL ON MODIFICATIONS THATS HOW THEY ARE TAKEN PEOPLES HOMES FROM THEM.

stolen my home 2/28/12 10:04AM

Official company reply

Hello, I would like to have your entire experience with CitiMortage reviewed by our Executive Response Team. Please copy/paste this post into an email and send to me at the address below.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com

MikeCardace 3/1/12 6:54AM
I called CM in October 2010 to ask them to modify my interest rate only. CM reps told me that they will not help me because i was not late on my payments....so i withheld one payment. They started calling...and telling me to do my re modification application.

I did this and have submitted all of the paper work for over a year. As I was making payments as usual, CM decided to start applying my payments to a "non-applied account"! What does that even mean?

Well it means that you are giving them money and they are not applying it to your mortgage so you become VERY LATE! After 4 months of unapplied funds, they began they told me I was 5 months late and starting the forclosure process.

This is when I blew a gasket! Here I was, doing the weekly faxing of information to them, filling out forms, calling, emailing, etc. and they were going to begin foreclosure.

Now, over 15 months later I have been served forclosure papers. I stopped paying them all together because they would not accept anything other than the entire $106K of the loan.

Where is the CLASS ACTION LAWSUIT against these crooks? I had the ONE month payment ready at anytime to pay, all I wanted was my 6.75% interest reduced to a reasonable. amount. Now I will be losing my home?

Florida homeowner? 2/27/12 4:01PM

Official company reply

Dear Florida homeowner, I would really like to have your experience with CitiMortgage reviewed to determine exactly what happened. I work with the Executive response Team, and I want to try to help. Please send me an email, copy/paste your post, and include your address or loan#, and best phone#.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 7:00AM
Citibank has made 6 errors at 6 different times while processing my well qualified buyer. It is costing me
a great deal of money maintaining my home while waiting for the incompetence to end. Why doesn't the personnel dept. screen their employees better?
The buck always stops somewhere.......who's minding their store while the people of the U.S. bails Citibank out and competent people are not hired to allow the bank to procede with the business of making money.

Anonymous 2/26/12 2:12PM

Official company reply

Obviously, your experience greatly concerns me. Let's see if we can make the buck stop here. Please send me an email at the address below. Copy/paste your post into the email, mention that you came from the CSS website, and include your address or loan#, and best phone#. I will have someone get in touch and help.

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 7:04AM
I was turned down for a loan Modification. Reason being that my income was too low (HELLO!!!!, thought this was the person it was supposed to help) and the NPV was negative according to Freddie Mac. Not "underwater" by any calculations. I asked my "contact" at Citi, Jacob E Brown, by email and voice mail to PLEASE tell me what these numbers were exactly. He emailed back that he would get the numbers if he could. But, low and behold, the next correspondence was from Citi via UPS dropping off a HARP offer at my door.

Anyone who's had a good experience with Citi, more power to you. I haven't. Just the "business as usual" runaround being the front Corp. for Freddie Mac.

margot 2/25/12 7:36PM

Official company reply

margot, loan modifcations can be turned down if we feel that you don't have sufficient income to maintain the new terms or lowered payment. We don't want to put you in a position to fail.

Let's change gears. HARP is a fantastic program and if you qualify it can help you substantially. Let's do 2 things:

1) Visit www.homeownersupport.com. It's our online mortgage community. On the site we have info on HARP and a long informative HARP post in the blog section. Please join the site by clicking on the forums tab.

2) Email me at the address below, and I will have someone from my team call you to discuss HARP and your account. In the email you send to me, please copy/paste this post if you can, mention that you came from the CSS site, and include your address or loan#, and best phone#.

I will do everything I can to help you and improve your experience with CitiMortgage.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com

MikeCardace 3/1/12 7:12AM
I had 2 jobs..laid of my full time job in 2009. That is when this nightmare began! Called Citi rqsted a loan mod due to less income/job loss. I faxed like 200 pgs of docs that they rqsted and a Hardship letter. Never heard back..2 wks nothing . I kept calling and they would tell me that their fax dept has to scan these docs into imaging and it takes about another week, its not like they can walk to a fax machine and rcv my docs??? After a month of me calling them , they said they never rcvd anything??? Really? I faxed like 10 times hat week very upset. I kept calling everyday going over my budget, my expenses , etc. etc. Finally in June ( mind you I was laid off in january) I spk to a rep by the name of "Earl" he tells me I qualify for the HAMP..he assigned me to pay these trial payments and I would rcv the mod docs in the mail? Within a month...Citi Collections dept is calling me asking why I'm short paying them? I explained that I was approved for the HAMP and this is what their rep Earl had instructed that I pay! They said there were no notes or updates in their system showing I was approved???I continued paying the trail pymnts and COllections kept calling up to 5x a day ,and come to find out
they were not applying my pymnts, my credit was ruined and I never rcvd any docs in the mail? I then saw on the evening news this group called NACA , save your home program coming to the Los Angeles Convention Center. I got up early the next day..went to Naca..was there all day...thousands of people w/ my same story. Naca gave me a prposal said I had a predatory interest ONLY loan of $3100 a month and they should be ashamed of themselves. Naca scanned my docs and my husbands income docs and said we could afford a $2045 PITI paymnt.WOW! Including taxes and insurance on a $505,000 loan ( 80/20 2 loans with Citi, purchased home in 2006)! They advsd me to go talk to my bank and give them the proposal...Citi was sitting right there! I was so glad , thinking I was going to finally settle this.....and here we go again...the Citi rep said they could not help me, that they had sold my 1st mortgage to an investor and they would have to email him and ask him if he participates in this program? WTF! I was there for 2 hrs crying and trying to talk to this guy...it was a JOKE! They DO NOT care!!!

HateCiti 2/22/12 7:34PM

Official company reply

I know this means very little, and the words "I'm sorry" are cheap sometimes, but I am very sorry to read about your experience, from the faxing issues to miscommunication, etc. Now that your loan has been sole to an investor, we will work with them on possible solutions. I want to step in here and have someone I know assigned to help you. Please send me an email at the address below.

In the email, please copy/paste your entire post, and mention that you came from the CSS site. Also include your address or loan#, and best phone#, and I will have someone get in touch.

I know this has been a long, uphill battle for you. Hang in there.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 7:25AM
CitiMortgage is the worst Bank to deal with! it is impossible to get help for a loan mod. Their customer service is terrible...the wordt i have ever dealt with. You call and you will be talking to all of INDIA! I would advise anyone out there not to do any business dealing or loans with this awful, horrific , unprofessional company!

HateCiti 2/22/12 6:56PM

Official company reply

I replied to your comment above. Please get in touch. I want to try to turnaround your negative experience.

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 3/1/12 7:27AM
I agree CitiMortgage does not care. I was forced to file bankruptcy due to a roommate and other issues at the same time, and filed for a loan modification in March 2011. I was strung along for several months before finally hearing I was approved and would be receiving a new payment amount. It did not come, so I called; and was told it had been denied and would have to file again.
I filed and was strung along saying they needed this doc and then that doc, but I was finally approved and in my trial period. Hopefully it will go smoothly. But, come on folks, you always have to have a Plan B in place.
I filed bankruptcy and received my discharge, but now American National Bank is trying repo my car. So I searched the internet to see how I might save it, and discovered that I can file a Chapter 13 bankruptcy, even after filing Chapter 7; but do not get caught lying about things. In a Chapter 13 a second mortgage can be eliminated IF the first mortgage is more than the value of the house, repos can be stopped and the interest rate on a vehicle can be reduced considerably, and other benefits. The medication problem can be eliminated in a short time by contacting the local welfare office or community clinic for the nearest MAP person. Drug companies do help those in bad situations and no money by providing medicine at little or no cost.
No one is going to come to you to see if you need help, you must ask questions and find it yourself. The welfare office should have a list of resources to assist those in need. So stop whining and ask questions everywhere until you find the help you need. America is plagued by greed, but there should be some help around everywhere. Good luck

Plan B Always 2/22/12 2:29PM

Official company reply

Plan B Always, it seems you are in a loan modification trial period, currently. If there is ever anything I can do to help, please send me an email and will respond right away, and do my best. I care very much about our Customers.

Regards,
Mike Cardace, Citi
customer.help@citi.com

MikeCardace 3/1/12 7:35AM
CitiMortgage is only the "servicer" of the mortgage loan. Whether or not mortgagees are approved for HAMP or HARP lies in the sole discression of the mortgage OWNER. Most likely Freddie Mac or Fannie Mae. That said, do your investigations of Edward DeMarco. Sign the petition http://act.rebuildthedream.com/sign/demarco?referring_akid=422.631093.hkaSUz&source=taf
I didn't know what "recent news investigation" was being referred to so I went searching around finding this 1 of MANY!
You may want a barf bag handy before reading:
http://www.npr.org/2012/02/03/146327012/regulator-freddie-investments-nothing-unusual
My story: I was widowed 09/18/2010. My husband had handled everything financial prior to his death. Can you say "steep learning curve"? That's what I was on with only myself and my puter to rely on. Oh boy.
Being 67 y/o this year and deciding to apply through Citi for HAMP really was a wake-up call. Hey, I was told that I qualified! Yay! soon turned into a NAY! Huh? I was paying 66.7% of my income to the monthly mortgage payment. Why wouldn't I qualify? Property was not underwater, etc... Had never missed a payment or had a late payment levied yet was being threatened with foreclosure?? "Oh, sorry about that" was the answer from Citi. "Computer error." Same "computer error" that Citi employee Mike Cardace addressed me as Mr (yes that's correct). I'm a female widow and first real name reflects that without a doubt unless Shel Silverstein's "Boy Named Sue" comes to mind when responding to me from CSS that he'd read my entire story and would have someone from his office call me. Reminds me of the latest job my 25y/o daughter actually gets paid for sitting around all day promoting bars, clubs, and restaurants in Chicago on...FaceBook! If you can get a sweet job like that and get paid, go for it.
Citi is a shame. Face it. Citi is the front Corp for Freddie Mac and Fannie Mae who were the main reason for the train wreck economy in the first place.
Can Citi tell me "why" Freddie Mac turned me down? Nope.

So PLEASE, if you do nothing else, do something POSITIVE to stop this insanity by going to (copy and paste this into a browser) http://www.npr.org/2012/02/03/146327012/regulator-freddie-investments-nothing-unusual
and then getting mad and signing the petition
(again copy and paste into your browser)
http://act.rebuildthedream.com/sign/demarco?referring_akid=422.631093.hkaSUz&source=taf

margot 2/18/12 9:14PM
My mother had Citi mortgage on her home. She died from complications from breast cancer. So not only did we lose our mother Citi mortgage now is suing us to pay for a home none of us co signed on. Really don't let your family go through this, losing a mother is difficult enough. Wouldn't you think. There was no money she worked for her house almost until she died. This is really sad for my family.

heartbroken 2/18/12 12:58PM
I just received a letter from Citimortgage for an offer to refinance at a lower rate through the "government sponsored Home Affordable Refinance Program"
I have a 17 year history of making every payment on time and this is "An exceptional offer for an exceptional client"
I'd like to believe this is a legit offer, but after reading all these comments, quite frankly I don't trust these parasites. I think they have something up their sleeve, and what they are really after is my house and all the equity in it. They have brought this trust gap upon themselves. I did the math and after probably jumping through all their hoops, and having the hassle, I'd only be saving a little more than $100.00. That's if everything goes smooth. Yeah right. No thanks, Citimortgage, you've been screwing the American people, and I seriously doubt I can trust you. I'll continue to pay at this rate.

Dauntless 2/17/12 8:22PM
I am one of those people who always believes people are fair and honest and think that liars and criminals are locked up somewhere. I never realized they're working in the mortgage dept. of Citibank. I wish I had found this site before I even tried to refinance through them.

I have had a mortgate with them for five years. I have never had one late payment and usually pay over the required amount. I have a credit score over 700 and received a very good raise by being transferred to a different position where I work.

In July 2011 I called to see about getting a lower interest rate by refinancing. Sure thing. We would close in 30 days. It is now February 14 and I have gotten the same form letter twice telling me I haven't sent all of the requested information.

Not only do they have all of the requested information, I had to answer ridiculous questions about someone with almost the same address having a business in his home. I don't even know this person but they insisted I send a written statement explaining my relationship with him. I told them to google him and see if maybe they had some erroneous information since he doesn't live with me. Too difficult for them. They verified my employment in July yet in December they said they couldn't verify my employment although they have copies of my bank statements and have called me at work. Then they wanted to know why in July my credit report was showing an inquiry by Quicken Loans. Then they wanted to know of any large charges to my credit card. Yes, I'm guilty. I bought my son a computer and paid for it in a month.

These people have received payments since July at the much higher interest rate and now tell me they don't have requested information. In their letter they don't say what information is missing.

My credit is great and I have no need to use my savings for any life saving medical care...so let 'em have this house. It's too big and too much trouble anyway. Let them figure out how to unload this dwelling in this market.

I am stunned to see that so many people have been abused by this dishonest company and its incompetent stooges.

elle 2/14/12 9:19PM
I began a HAMP modification with Citimortgage in January of 2010. After submitting a complete application I began receiving requests for documents I already submitted. In good faith I resubmitted the documents and was told that the trial period would be extended. This went on for ten months until they finally denied my modification due to insufficient documentation. They then demanded full backpayment of the difference between my original payment and my trial payment. After numerous attempts speaking with nice but less then knowledgeable representatives, my home was foreclosed and I lost it and all my equity. They sold the home for 17k more than I owed on it so they made out pretty good. Now my credit is ruined and I am in pretty bad shape. I have read numerous similar cases. The first time I found out about the foreclosure was when the sheriff came to evict us. Sign me "ruined in Tennessee"

Zetra 2/13/12 11:37PM
My citi experience began with an oil spill in our home 2 years ago. My husband was hospitalized due to the spill and exposure to the oil, chemicals and dust and now permanently disabled. We had a thriving business and pretty much have lost everything. My family was displaced for 6 months and most of our belongings were destroyed. Our insurance company dropped us(they offere NO Help) At the time, Citi didnt help and the companies repsponsible have not yet been held accountable. After in default for over 6 months, they offered a renegotiation of interest which at the time ANYhelp was good help. However, we are living on a fixed income and responsible for our health care and would have rather benefited from the term being renegotiated. They denied it. said they wont take into account the Health care costs or the fact that we had to pay for the haz mat clean up and replacement of our necessities.

I called the other day to phone in a payment. LINDA informed me that my home was in foreclosure and that a payment wouldnt be accepted. She used scare tactics and told me i had to sell it or get out. I told her I wasnt notified of anything and she back peddeled and said that it depends on the state im living in. im making payments but i cant get caught up, i cant even afford another 100 a month. My husbands perscriptions cost over 1400 a month and he wont be eligible for medicare until aug. On top of it all, the health insurance just informed me that the 5 K deductable I reached in 3 1/2 months just renewed in jan (not after a year in AUG like i was told) and they are stating that i now have another 5 K deductable? My home could never sell for what it would have been worth becasue of the spill. Im not looking for a handout . . .i just wanted to take my mortgage what I owe(which is MOSTLY principle) as i owe 8 years on a 15 year 195 K and stretch it out to 15 years again . . .i just need my payments down to near 1800 becasue i have so many medical costs and Medical Debt. I have had surgery on my sinuses(they became diseased becasue of the spil) my husband and i have tumours in our parotid and pituitary and he has just been told he is developing vasuclar tumors becasue his body is producing enymes to fight against whtever we were exposed to. Nothing is going right and NO ONE has DONE the right thing . . .NO ONE. if one person had done the right thing, we may have not gotten sick, we may have not lost everything, our belongings, our business, our health. what happened to doing what was right? Is this too much to ask LINDA? have you sat in your little underwriting office too long that you have forgotten what it is like to be empathetic? do they offer indifference training so you can tune out trating someone with human decency? Honestly, LINDA, there are times i feel complete frustration and fail as a human being and briefly i think . .perhaps you suffer just half of what my family has suffered these last 2 years . . .just HALF . . becasue LINDA im not even that cruel to wish my reality on even the likes of you.

it is what it is . . .all i can do is make it through the day and hope someone out there will do the right thing.

Contaminated 2/13/12 10:50PM
My first mortgage with GMAC was permanently modified under the HAMP program close to two years ago. I applied for a modification for my second mortgage held by Citimortgage and was told they had not began to implement the second lien modification program (2mp) yet. I was told to call back every few weeks to see if the program was up and running. I have done that, for two years. Today was told, "no, I do not qualify." Why? Because I am current and have not missed a payment. Are you serious? I filed Ch. 7 bankruptcy over a year ago to discharge all my debts in order to avoid losing my house. That is how I afford to keep my payments current. The rep. told me that was my choice, choice? really? Like I had a choice to make? File bankruptcy and keep a roof over my sons head or let them foreclose. My mortgage is "underwater" and I asked the rep. why Citimortage would elect to not modify considering if they were to foreclose the sale would not even cover my first mortgage. I would think it would be in Citimortgages best interest for me to keep my home.

kp 2/13/12 8:13AM
CitiMortgage has held my mortgage since 2008. My job/credit is perfect but I am now qualified to refi under the HARP program for low equity. As required, I contacted Fannie Mae and verified I qualified. When I applied with CitiMortgage, they told me Fannie Mae had "recoded" my mortgage as not qualified for HARP but they could give me a higher interest rate to include PMI. I have filed complaints with FDIC and consumerfinance.com. Anyone else denied access to the HARP program should contact these agencies too.

Better Customer Than They Deserv 2/9/12 6:13PM
By far the WORST customer service I have ever ezperienced. Can't link my second mortgage to my credit card for online access? Really? Can't wait to refi this loan out of schittybank.

hateschittybank 2/9/12 11:26AM
My husband and I have been having issues with Citimortgage also. We started teh modification process in Sept. 2011 and here it is Feb. 2012 and still have no answers, we are constantly told it is "still in review", this is getting old! I took it apon myself to update my husbands paystubs and bank statements monthly. We were told that it could take as much as 30 days, then 45 days, then 60, we are now at over 90 days and our home is in foreclosure status and even recv'd a letter from an attorney. We contacted Citimortgage as soon as our financial situation changed and have been in contact with them for over a year now and nothing has been resolved. I have contacted our state rep., to see if she can help. We dont want to loose our home but may due to Citimortgage dragging their feet and not caring. I have hung up on the rude customer service reps. more than once. I even had one tell me that if we paid our bills we would not be in this situation.......UHM who the heck was he to tell me that, and at the time we were only 2 months behind. Our kids had no xmas this year, and we have borrowed money to help pay our mortgage. We are so frustrated at a company that does not care! Our counselor who is assigned to us does not keep phone appointments or return emails and is NEVER available!

feelinghopeless 2/9/12 10:13AM
I'm in Chapter 13 to keep my house. I'm 68 years old and ill health. I need to retire but can't because of house payment. I'm under water. CitiMortgage won't even talk to me. I went thru a credit counseling service and they tried -- Bank would not talk to them. I was forecased on in Sept. and had to pay their lawyer fees plus back payment, owed 1,200 -- had to pay back over 1,800. I'm about to just walk away and let them have the house!

SharonMaryland 2/9/12 9:21AM
i have had a custodial account with Citibank for about 15 years now. it is not in any kind of investment status. I had frozen it about 3 years ago so that no fess would be taken out of it. But I just received a statement yesterday, 2/7/2012 that $100 was taken out of it for "brokerage" fees. Even though it is NOT growing and there are no investments involved AND its a college fund account that Citi is going to make money off this account anyways..
DO NOT TRUST THEIR COLLEGE ACCOUNTS!!!

sandradcd 2/8/12 10:19AM
I don't have the strength to write about my entire ordeal but after 2 + years of utter frustration with Citimortgage's loan modification program, I contacted Congressman Frank Wolf (VA) and spoke with Lucy Norment. After about another 4 months, our loan was modified and we are still in our home. If you are getting jerked around by Citi, please contact your Congressman! They (Citimortgage) don't care too much about individuals but when contacted by a member of Congress, they actually do something.

Jackaroe 2/6/12 1:37PM
I have a huge mess with Citimortgage. They have verbally shared with me some of the documentation in my file that is inaccurate and they will not listen to the correct information. They refuse to release the documentation to me. i have also requested my original loan documents and have not been able to obtain those either. They started foreclosure proceedings without notice and will not work with us. i am getting the run around. This company doesn't realized that in our situation they are the only ones who have anything to loose because they destroyed our credit before we even knew there was a problem. I know they have violate some of the laws and plan to persue this but am frusterated that they can't even work with us. They mess up...not us!!!!

anonymus 2/5/12 10:27AM
Citi Mortgage is unbelievable! I have been trying for a home modification since I became unemployed on August 30th this past year. I can't say enough about the frustration and idiocracy I have been subjected too throughout this process. So, I vented my frustrations on this site on 12/20/11 and received a response to contact Mike Candace. Well, I did exactly that and let me tell you that it has gotten me nowhere! Of course, I get an email letting me know that they're going to review my case and and expedite a response. However, I must re-fill out all of the paperwork already submitted to them for this process...which I did and submitted and received by them on 1/19. I was informed by the new "support specialist" that I would be dealing strictly with her since this was an "escalated case". Then today, I get a letter from CitiMortgage that my case has been given to the same idiot that completely screwed up the application process for me the first time around! Where did my new "direct" contact go??? Unbelievable! So much for contacting Mr. Candace! These people are completely incompetent and should not be handeling anyone's loans!!! Everyone that has had a problem should start contacting senators, legislators and whomever else that will listen about CitiMortgage. Something needs to be done before more and more people lose their homes due to the incompetence of these people!

Angry Customer 2/4/12 2:34PM
I was behind my mortgage for 2 months and owed $600. Citimorgage gave me a repayment plan that was not properly calculated and due ot this have been reportingme as being late 60 days on my payments for over 12 months. They said I didn't pay enoug...I paid what I was told to pay each month. I paid them over $450 of the $600 owed and now they say they will waive the 2 months i was overdue and only change me the interst of $515. I think there is something wrong with this math????? I am very frustrated working with them. They are not flexible and give me the same anser allthe time I didn't pay enough to cover my overdue payments and I keep telling them it was their fault the payments were short since they developed the payment plan. I will never recommend anyone to use them and will refinance with another company as soon as I can rebuild my credit score.

Jasmine 2/3/12 8:01PM
My husband lost his job in November of 2010. We began the modification process as soon as this happened and we were no longer able to make our payments. After hours on the phone and resubmitting our Modification Package umteen times we received a letter in October of 2011 that the foreclosure process had begun. We put the house on the market to stop the foreclosure. We got a buyer the first week the house was on the market. We sent in all the paperwork at least 4 times. We have had 3 different counselors - none of whom really knew what we needed to do to get the ball rolling on the short sale. FINALLY our case was given to a 'NEGOTIATOR'. I have sent him my paperwork twice in the last 3 days. The first time he said that I didn't send enough documentation to match my income/expense worksheet and that it was all disorganized. I don't know how the organization of it is my fault b/c it was given to him originally by my counselor. SO, I separated it all out for him, labled EVERYTHING, matched each item with the line on the income/expense worksheet for him. BTW my 12 year old could have organized this stuff for him. He receives it, and replies "its a lot to go through". I asked for him to call me to go over it all. He replies that he can't speak with me on the phone and that email is all that is available. **INSANE** What in the world does that mean. I can only assume he is afraid to talk to me. I am only sending in the information he requested. He says my income/expense worksheet seems inflated. I have 4 kids. He says that spending $800 a month on gas and food with 4 kids is too high. I didn't know it was his place to comment on my bills and expenses. My house payment was $1300 a month and besides being late here or there, we had not had any real problems with our mortgage up until my husband lost his job. We are divorced now and that is causing a huge problem for my 'NEGOTIATOR'. Which I kind of understand, but on the other hand it doesn't change my exhusband and my income and that both of us are on the loan. So anyways, here it is a year later. We haven't made a payment the entire time. Tried to modify our loan so we could make payments...Citi said no. Now we have a buyer that wants to give Citi money for our house...its looking like Citi will say no again. I am sure that the amount the buyer is willing to pay is a lot more than what the house will sell for on the auction block. I can COMPLETELY understand why the mortgage industry is going bust. If Citi were to pay me an hourly wage for the amount of time I have spent calling, faxing, refaxing, emailing the same information over and over again, and being on hold for crazy amounts of time I would probably have enough to pay back some of my missed payments. Citi would be getting their money from me monthly and I could stay in my home; BUT NO, they have drawn this out to over a year, killed an entire forest in paper products with faxing, paid their employees to do nothing but transfer phone calls, and utimately get less for my house than they would have in the first place. RIDICULOUS. Does it benefit Citi for foreclose in some way...tax righ off??? I am sure my comments on this website are just more for me than any action being taken. Thanks for allowing me to vent...

Julie 2/3/12 3:02PM
My loan was recently transferred to CitiMortgage and I can already see this is going to be a nightmare. I received an Escrow Analysis saying my escrow had a shortage so they're increasing my monthly payment. But the reason it's short is because they took out 3 PMI payments in 1 month, when my PMI was already paid by my last bank through the end of the same month they took the 3 additional 3 PMI payments out. I tried calling customer service a couple times and one guy was rude, and all they did was transfer me from "Specialist" to "Specialist". I submitted an email inquiry instead of calling again and instead of answering my question, they explained the Escrow Analysis calculations, which I already understand - my issue was with the 3 extra PMI payments which was the reason for the shortage, because my escrow balance is now 3 PMI payments lower than it should be.

lagal4life 2/2/12 10:13PM
terrible assistance on hardship case.
rude and you get bumped around and then 6 months later told no program to help can't include unemployment and you don't make enough then says maybe you want a short sale... FTF!

Anonymous 2/2/12 7:22PM
After falling behind on county taxes citi mortgage sent a letter on 10/13/11 giving me 60 days to show payment or they would open an escrow account. On 10/19/11 They sent me a letter saying they paid the tax and they were raising my monthly payment from $1043.00 to 2554.00 to make up the difference for one year! What happenened to the 60 days!

ptelban 2/2/12 7:10PM
I am attempting to refi my house under HARP. I am totally eligible under the new guidelines, my LTV is more than 80%, my mortgage is owned by Freddie Mac and I have been current in all my payments, however today after hours and hours of waiting on the phone calling (877-675-1625) the mortgage consultant told me that I can not refi because my account is missing a "eligibility number"!!! He said he had no clue about why this happened and even suggested to write a letter!! YES this is an old fashion paper an pen letter to 1000 Technology Dr in OFallon MO to inquire about this!!!.... The mortgage consultant should have been able to provide more information about why there are issues with my loan AND what can I expect about writing letters if they take hours to answer a simple phone call and are not able to fully assist!!! This is absolutely ridiculous!!!!

Ezequiel 2/2/12 11:38AM
Citi charged me a late fee (less than 60 days late) The loan agreement says at a rate of 6%. About $14-15 at the time. The $13,000 they finally said Oh, that was insurance. Why did they call it a late fee, foreclosure process, OCC is not on top of this as well as the fact that the insurance if prorated as the loan agreement allows you to get back to a local insurer, and prorated unearned premiumes would therefore be applicable. They would not talk to either of my two different attys as to reinstatement for over a year. Now if the $13,000 did not cause a undue opportunity to foreclose, then the $20,000 they say now....by waiting months to discuss (guess we know why) They also over-insured the home, in both the flood zone (grandfathered) they own the Ins. Co. and the are compensated they say. Also the Homeowners policy for an amount over the loan. Of course the land is part of the loan...doe does. Never gave a breakdown of what the totals payments added to be. This equity line floats, so I have a right to reconcile, plus where is the loan balance stand. Never offer any that is due under RESPA,Fair Lending. When I was a Trust Officer with a bank we never saw this type of "business model" on the horizen. Oh yes, it is a "business model" make no mistake.

Linda 2/2/12 11:32AM
I have been paying my loan payments on line and for the last 2 months citimortgage has not credited my account. Today we have received 6 automated calls from them. When I answer and finally get a person on the line, they won't talk to me and ask for my husband. I finally called them and I can't do any thing. My name is on the mortgage but they will not take our payment off the principal and make a regular payment unless they talk to my husband. What is wrong with these people? I hope this doesn't affect my credit rating.

Mad in Michigan 2/2/12 10:14AM
we have Citi as our second mortgage holder. We filed bankruptcy about 3 years ago and included both the first and second in our bankruptcy, we wanted to reaffirm (keep the mortgages) but neither showed up, so basically both mortgages were included in the mortgage. We have kept up with our first mortgage (Chase) fine, however the 2nd is growing harder and harder to do (Citi). The problem basically is we got the second mortgage to pay of bills and did it when the economy was better. When we got the second mortage our house appraised at $100K, it now appraises at $79K. The second mortgage was gotten in 2005. We owe almost $70K on the first, and $18K on the second, so as you can see we are upside down on this mortgage. Citi has sent threatening letters because we have gotten behind, I always call and do my best to get completely caught it, but it is getting harder and harder. We do not qualify for any kind of modification as they say we make too much and don't have enough bills??? Thinking of trying to settle this, we have been informed the fact it was included in the bankruptcy we are not liable, however we intend to stay in our home, so we feel liable. I intend to contact our lawyer and find out if the threatening letters are legal after bankruptcy.

ddsteele 2/1/12 7:31PM
While we were in the process of trying to get a federal loan modification, we received our foreclosure notice and now we are in a race to reinstate our mortgage and save our home before the auction date. My husband was told that nobody could get back to us until NEXT WEEK, which leaves us waiting and wondering while we would like to start making this right immediately. The closer we get to the auction date, the more incredibly stressed we are about losing our home where we are raising our 3 kids. Can someone help us sooner? We want to fix this NOW! My fear is that, like many others on this board, we will be pushed aside and delayed until it's too late.

mom23 1/31/12 9:01PM
I have requested a call regarding mortgage modification three times on the Citimortgage website. Two weeks ago somebody called with a range of questions and said the wait time to reach someone was 90 minutes or they could call me back. Nobody has ever called back. When I called today, the system says it's too busy and ends the call. It doesn't seem that Citimortgage wants homeowners to take part in HARP.

minton 1/30/12 1:03PM
I have a calpers loan thru citimortgage. My wife has been on disability since september due to child birth and bed rest I've tried to do a loan modification with them for a hardship for future expenses due to having 2 kids in daycare, but was denied. they said I made enough money to afford payments. I have two jobs which one of them I do want to quit but can't afford to right now. So, since i got denied for a loan modification. I tried to do a Harp loan, since i was upside down on my mortgage loan to value and my loan was backed by fannie mae. I talked with several representatives from citimorgage one would tell me i was backed by fannie mae and they would tell me they would get back to me and no one never did. Then I would call back the then next representative would tell me that my loan was not backed by fannie mae. I've been trying to get some help before the bag busts but no one seems to be helping me.
Thanks for nothing citimortgage.

ronhightower21 1/30/12 11:53AM
Let me start by saying that I do not personally have a mortgage with Citi. However, my mom does. She is on her third attempt in applying for a loan mod. The first time she was rejected because she didn't make enough money. The second time she made too much. If she isn't approved this time, the house will likely go to short sale. I read Citi's website about its efforts for loan modifications and to help homeowners retain their properties. It looks so nice in writing, all sunshine and happy endings...almost like Citi is saying "Come to us, we'll help, we WANT you to keep your home. We're here for you." The reality is much more grim. My mother has been working with Citi in good faith over the last several months to reduce her monthly payments, which are exorbitant given the current economy. A $4000/mo mortgage payment would indicate to the average person that my mom must live in some McMansion. Hah! So far from the truth. How can Citi choose to let its customers sink when they are trying to stay afloat? Who wins in the end? No one.

My mom is working two jobs, seven days a week, and still cannot make ends meet because Citi can't rationalize lowering her payments. You'd think the company would look at the long term benefits of allowing her to keep her house, they'll continue to make money instead of selling it for $100k less than it's worth. I am nearing the point in my own life where buying a home is becoming a reality. Witnessing my mom's experiences with Citi, knowing that there's a high probability that she will soon have to part with my childhood home, ensures that I will never pursue my own mortgage through this company. Seriously, Citi. This is the United States of America and it's supposed to be great. The things I've read about you in this forum place Citi high on the list of what's broken in this country. Get your act together.

Disappointed 1/28/12 7:40PM

Official company reply

Disappointed, I understand your frustration and that of your Mother. And, I understand the emotion involved. It's your childhood home. Many homeowners in this country are struggling right now with mortgage payments, we all know that. One thing to consider is that CitiMortgage does not own many of the loans that we service. I do not know the specifics of your Mother's loan. Often, there is an investor involved who actually owns trhe loan, and they determine loan modification requirements/approvals. We work with them. There is also the Making Homes Affordable program through the government (HAMP). The goal of this program is to bring a homeowner's fully loaded monthly mortgage payment down to 31% of their gross monthly income. At 31% of gross monthly income, a mortgage payment is deemed affordable under the government's HAMP (Home Affordable Modification Program). And still, there are other programs/options depending on what type of loan it is. For many folks, based on their financial situations, loan modification programs work. For many, they do not, and other alternatives should be considered (e.g. short sale). Our goal is to help people stay in their homes and avoid foreclosure. You may not realize this, but since 2007, CitiMortgage has helped millions of Americans stay in their homes. That's a fact.

Now, I now what you care about is your Mother's house, your childhood home. Please send me an email, and I will have someone on our team take another look at your Mother's situation to determine if there are any other solutions to help her stay in the home. Please copy/paste your original post into the email, the address of the home, and the best phone# for us to call.

In the meantime, you should visit this site if you haven't already to increase your overall knowledge. I think it will be helpful: http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/default.aspx?gclid=CP2ciYSD9q0CFSMRNAodsQubuQ
Kind regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 1/29/12 1:05PM
I am sitting here in tears after reading all the comments. My experience has been much the same. I have been cheated and lied to. These people do not have a soul.

Ohio mom 1/27/12 11:23AM

Official company reply

Ohio mom, I'm sorry you feel this way. If you'd like to send me an email and a description of your issues, I will look into your situation. I want to find out why you feel like you were cheated and lied to. Please get in touch, and mention that you came from the CSS site.

Regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/29/12 1:10PM
Jacki on 1/22/2012 - I am losing my home. I have been paying $2104 on a NEW repayment plan after being put on these damn trial foreberance plans for a whole year. A whole year. Why why didn't they put me on the repayment plan a year ago instead of NOW and saying I can afford $2104. no I can't. I can't do anything but pay this. Then calling them to talk to customer reps in the foreberance or modification department is like asking a kindergartener what 5 x 5 is. They can't do it. I got misinformation more then anything then dealing with a Vicki in there I get yelled at for calling in to find out why on freaking earth I have a sale date on my home now. They can't tell me. They didn't request it I hear yet Lerner Sampson and Rothfuss sure did seem to feel the need. $2000 a month and then before that $1500 a month. You cannot be late on those. WTH people life can happen and when you are paying $2000 a month and the check gets to you a day late cause you DONT want it to bounce you are seriously going to take my home away. YOU are going to be getting a house that if this was done properly and given me an easy mnonthly payment (which I was doing these payments anyhow, I found ways but did it) then this would not be happening. Me and my kids have to go to a rental house now cause I cannot fight this anymore. I've not slept in months since before Christmas, lost weight and hair. I cannot take this - when people are on verges of suicide cause of this crap.. Does Citi or Lerner feel guilty.. Hell NO. They don't care. Why help out people. Screw them all.
So Jacki - they do this repeatedly - its so sad. So sad.

Cari 1/25/12 9:44AM

Official company reply

Hi Cari, my email address is below if you would like to have a conversation. I can have someone on our team contact you to make sure we are doing everything we can to help. It seems we have been trying to work with you, but I want to make sure we're exhausting all possible solutions. I do sincerely apologize if you were "yelled at" by one of our Representatives. That's never acceptable under any circumstances, and I would like to identify that employee. I take that very seriously.

Regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/29/12 1:25PM
I was fortunate enough to be able to pay off my mortgage 3 years early. It has been a year and I have yet to receive any documentation. I went to a Citibank which has a Citimortgage branch, which I was instructed to call the 800 #!! I just find it ironic that I was able to drop off a $10,000 check with no issue, but than get handed a phone to call a 800#! Of course the call is outsourced to India, which I was instructed to fax over information to a number that I googled and no information, but negative information is found. How can I get an answer! No contact # was given only a fax number, which from what I read online is sketchy. Good luck all!

JFlores 1/23/12 12:31PM

Official company reply

JFlores, please get in touch with me. The experience you outline is ridiculous, I agree. My email address is below, and I will get someone to help you. Please copy/paste your post, include the address of the property, and the best phone# at which to reach you.

Regards,
Mike Cardace, Citi
customer.help@citi.com

MikeCardace 1/29/12 1:28PM
i had a refinance with citi mortgage and agreed to the s.m.a.r.t equity loan with an interest rate of 9.3% in 2008. After making all bi-weekly payments on time for 1 year they said they would lower interest by 1%. It is now 2012 and lots of calls later, interest is still 9.3%!!!!

gus 1/22/12 7:56PM

Official company reply

Gus, please get in touch. I will help you get attention to this issue. I can't say why this is, but I will get you someone who can look at your loan and give you answers. Copy/paste your post into an email, include your address/phone#, mention that you came from the CSS site, and send to address below.

Thank you,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/29/12 1:32PM
I recently applied for the Home Affordable Modification with Citi and am very disappointed with the service I received. Due to the bank putting flood insurance on my home, I could not afford what they were charging. Citi said I do not qualify for this program but increased my payment by putting my taxes and home owners insurance into a escrow account. My taxes and insurance were not past due! and I went out and purchased my own flood insurance policy for a lot less then what Citi was charging me for it. Customer Service is no help, all they do is transfer you to someone else who can't help you, and transfer you again. Not one person seems to have the answer. I have been in my home for 15 years and when I needed help they did nothing but make things worse!!

Jacki 1/22/12 11:41AM

Official company reply

Jackie, CitiMortgage has no control over taxes/escrow account requirements. I can't speak to the flood insurance aspect. Obviously, it sounds like yoru looking for an opportunity to lower your monthly payment. My email address is below. Please send me a note, include your address/best phone#, a brief description of this issue, and I will have someone from our team contact you to discuss options and the flood insurance.

Kind regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/29/12 1:37PM
It is not surprising that CitiMortgage was recently sued by the Attorney General of Massachusetts in connection with illegal foreclosures and loan servicing. The complaint alleges "the bank deceived and misrepresented to borrowers the process, requirements, and availability of loan modifications. The bank publically claimed to be engaged in widespread loan modifications aimed at preserving home ownership and avoiding unnecessary foreclosures. Through the National Homeownership Retention Program, which commenced on November 6, 2008, these banks represented that they would work with borrowers to help them avoid unnecessary foreclosures by reducing monthly mortgage payments to affordable and sustainable levels. The complaint alleges this bank misled borrowers about their eligibility for this program and the amount of relief available, failed to achieve a significant level of modifications, and often strung along borrowers for months in trial modifications that were ultimately rejected." I wonder if any other states have the guts to do the same.

sqhtechteacher 1/19/12 10:51PM
An awful experience dealing with CitiMortgage. After a divorce, I attempted to get a modification. I followed every procedure and direction that I was given, yet constantly met with frustrations and contradictions. I REPEATEDLY would get misinformation and conflicting information from their service representatives. I can not count the number of times I was told by one representative that the information I got from the previous representative was incomplete, inaccurate, or just wrong. I am constantly told by a representative on the phone that they can not access information about my account because either the "system is down" or the information I am requesting is in "another system" that they can not access. After making my three trial payments, I received my modification that did not match the terms of the pre-modification agreement. The modification was mailed to me and I only had two days to read it,sign it, and return it to Citi or the loan would not be modified. I think that is the reason they rush you to sign and return the document. Citi does not want you to actually read the terms of the agreement. When I called to ask about some of the questionable terms, I got the same conflicting answers.
I was actually asked to fax them the copy of the documents because they could not access copies of their own documents because they were in "another system". A representative called me back the next day, and as expected, they suddenly "found" several mistakes in my loan document and are now rewriting it. After reading the countless complaints on many, many websites about CitiMortgage, I am even less confident.

sqhtechteacher 1/19/12 10:19PM
On July 17th our construction company was hired and approved by Martin Armizmendi to trash out a house. The house was finished on time and the house sold within hours of being uploaded to the MLS system, because of the wonderful job we did. We have not been paid. We cannot even talk to anyone. We only get automated answering machines and our emails are never responded to. The bank got their money. We did an honest job for this bank and now they will not pay. This is very unprofessional and very dishonest. If this is the type of business they do word needs to get around so other contractors don't get the same treatment.

WMB 1/19/12 5:59PM
Citi Mortgage approved my modification for a payment that is more than my current mortgage payment is now!!! $52 more a month!!!The UW said they base the payment on my past 2 year history of income. Accept I make 1/2 of what I made a year ago. This modification is a joke! Citi won't let me streamline a refi because my loan is not backed by a security..hhhmmmm can we say I need some legal advise. I am really contemplating having Citi investigated for lender fraud!!!

Anonymous 1/17/12 4:50PM
CitiMortgage paid our tax escrow twice by mistake to the County and we owe $4600 more and our monthly payments have been increased. Citi says they are working to get it back from County but County says they have heard nothing from Citi. Meanwhile we are approved and ready to close on a refi mortgage with another mortgage company but other mortgage company says this has to be taken care of before we can close. We've been dealing with Citi Customer Service for weeks on this and all we get is transfer after transfer. We ask for a supervisor but the supervisor knows no more than any one else. We get letters that do not make sense. One Customer Service said to make regular payment until it is resolved, and recent cust service said nothing is notated and we still owe increased payment and it's our responsiblity to get the escrow back. How can we deal with customer servcie people in India that really do not care. We have never been late on our payment. We just want a lower interest rate which we are now approved for but now CitiMortgage makes a mistake which is delaying our refinance and no body cares.

Please Help 1/17/12 2:28PM
CitiMortgage lied to us when they said �don�t worry we will postpone the sheriff sale while you are trying to get a home modification loan� Just two days before Christmas CitiMortgage sold the home our family owned for over 25 years and had $100,000 equity in it. We are in California if anyone can help.

LiedTo 1/17/12 2:23PM
I applied for and received the loan modification reducing my payment for 5 years only, and 6,7 8 yrs will be back to where I was originally paying. Unfortunately, CitiM added on 40,000 to my already underwater mortgage, which has yet to be explained except as "fees and missed payments" ?? that's a lot of payments, and we didn't miss any. During the remod procedure which took 6+ months to complete I paid before the 1st of the mo. If you were late, you were kicked out of the program. CitiM reported my mortgage as UNPAID so I have 180+ months late payments on my credit report, which has now made every credit card cancel us and raise our interest rate, some as high as 30%, also car insurance went sky high. We were never 180 days late, and it's a sad situation. I received the remod, but we are struggling due to economy and the effects of Citi's mark on our credit. It's a temporary fix, but in the long run, we should have just filed bankruptcy or short sale, we would be done and could have moved on.

TemporaryFix 1/17/12 5:15AM
They suck!!! The right hand doesn't know what the left hand is doing. We are receiving letters that we are delinquent (which we aren't) and today we received a priority mail informing us we are on the verge of foreclosure. When I call customer service they say they don't understand why we are receiving these letters because we are current. They really need to get their act together!

Anonymous 1/14/12 11:49AM
Citimortage gave my elderly parents the run around for two years until they finally walked away from the house. On their behalf I attempted three times to apply for a loan modification and each time after waiting for months they told me they lost the tons of paperwork I sent them. Finally I called them and told them I would offer to purchase the house for $54,000. My parents owed $91k. they said no. I advised them the houses on our streets were selling for $20k.
On December 31, 2010 my parents finally gave up and said they had enough and walked away. I was told unless my parents signed a release that Citimortgage that they couldn�t sell the house. They sold it six months later for $19k. They had the nerve to send them a bill for the difference.
Citimortgage was the most unorganized and rudest company I have ever dealt with. Presently I there is an investigation going on in regards to unethical and illegal practices by them.

housegone 1/13/12 12:59PM
Citi called me in Oct 2011 and told me I qualified for hardship and later on told me face to face that I qualified for Hamp. I really thought I would get help since they were the ones that called me to tell me they can try and help. They gave me a good servicer who called in Nov and told me that my paperwork had been submitted to the underwriter and I would hear something in Dec 2011. Then they changed my servicer to another person without telling me. Yesterday 1.12.12 I heard back from the servicer through the Naca website stating that the underwriter denied me due to insufficient income but when I called two different Citi reps, they told me it stated I made too much income on their notations. I am so confused. Now I am about 4 months behind and no way to come up with the money to catch up on my mortgage payments. I also can't get a hold of this servicer as she has never responded to my emails and when I call her voicemail states it is out of memory and I am unable to leave her a message. Very frustrating.

Sammy 1/13/12 4:43AM
I was given a 6 mo forbearance plan that I paid on time, it is now up as of 12/15/2011, and I am now in default for the balloon payment of 16k. I have called almost every day since Dec. 15th, 2011. I am told after being asked 20 minutes of questions and read disclosures that I need to be in the Washington State department, that they are the ONLY ones to help me. After being on hold again for 10 min, I am told that department is closed. I call all hours of the day, every day, so I don't understand how this can be. I have been on calls with CitiMortgage for an average of 30 minutes per day since 12/15/2011 with the outcome being the same every time...I'm in the wrong department. I am desperate for help; I am scared beyond words of losing my home. I have received one call back message from a "Tom" from the "Washington State department". I have tried to reach him at the number he left, but I am told they do not know who he is and they then go on for a half hour reading disclosures and asking for my information. Today, when I insisted to speak with Tom in the Washington State group and that I did not want to be read disclosers for 20 minutes by a department that could not help me, the very rude woman told me she could not help me and HUNG up on me. I would just like to know WHO and WHEN I can call to talk to the CORRECT department for a loan modification. I know it is my fault I cannot afford my full mortgage payment, but I am begging for any help at all. Back in October 2011 I sent in the requested "Workable Solutions Financial Statement" package including all my paystubs, bank statements, hardship letter and all requested documentation. Please help!!!!

Jessica 1/11/12 2:54PM
This is the worst customer service I have ever dealt with. 1. The volume of the agents voice seems to be intentionally low to frustrate us. 2. As others have said, nobody you speak to can do anything other than forward you to another department and ask for your loan # and last four of your ss #. 3. You can't understand 90% of them because of the volume and their Indian accents. 4. I had to send in papers three different times and they lost them every time. I mean 3 different things, not the same thing three times. They lost two faxes and a returned check to them. 5. One of the items they lost was my proof of insurance so they gave me their own policy which they opened an escrow account for me and didn't tell me. Then I get notices that my loan is in default. I have spent about 80 hours on the phone with them over the last 6 months trying to clear this up, which is still isn't. They are now trying to charge me fees and interest on the money that I apparently never owed to them.

I would very much like to open a class action lawsuit against them. I can't believe I am the only one this has happened to.

typicalmortgagecustomer 1/11/12 1:01PM
I would like to complain about Citi Bank Customer Support for the Home Equity lines. They outsourced it to India. You absolutely cannot get ANYTHING done!!!! You cannot even change your mailing address over the phone or via faxing appropriate documentation. They make everything super difficult. I have changed the mailing address with Chase recently and it was smooth and easy. Shame.

unhappy customer 1/10/12 5:43PM
After over two years of trying to get a mod. I was approved for one payment, and made my trial payments (all three, on time) and then I was sent the permanent documents with the payment $800.00 higher than my trial payments. When I asked for an explanation no one could explain why. I have contacted Fannie Mae regarding this issue and am waiting on a response since this is a loan serviced by Fannie. Cannot not get any real answers from citi other than they can explain the difference.

mqueen 1/9/12 1:47PM
I need to speak with the United States about Citi. As a 26 year appraiser I have been placed on their "watch list" (the same as blacklisting) for an appraisal on new construction completed in 2007. The reviewer, Michelle McDonnel, was not only rude to me, no reason was given as to the problems with the report only, and i quote, "you will never appraise for Citi again". I ahve 26 years of integrity, ethics and hard work and have now lost most of my clients because Citi hs placed me on this list. No one will answer my plees. I have completed 100's of appraisals for Citi including CALPERS leaseholds for the Cal State University system and numerous appraisal reviews. One person has decided that I no longer have the ethical or mechanical ability to complete appraisals for teh company without a review. The united States has given Citi billions of dollars as a "second chance" yet they will not afford me a look or discussion as to why I was blacklisted or what i could do to remedy the situation. In the State of california, I should ahve been reported to the Office of Real Estate Appraisers. This was not done as it is one person's opinion that I am a bad appraiser. i have lost over 100K in work in the previous 1.5 years because of this and no longer have my employees. I would hope that Citi would consider this a fine (unfair) and place me back on the approved list and let me continue to teach othe apprasiers the ethical way to complete reports. I have been the Regional Chief Appraiser in charge of quality control for a major bank (a job I took after being blacklisted). I have taught ethics. I have had a career with no red marks until one person decided to ruin my life for reasons i still do not know, nor can fight against. This is the way citi opperates. Good luck to anyone out there who expects a fair shake or a second chance. This company has no heart. I guarantee i will not hear from anyone from Citi with a thank you for the years of quality service or an answer as to how i can remedy my situation. I will gladly keep you posted of the outcome if any occurs. I'm so frustrated by this unfair treatment and I'm sure I'm not the only one. Citi was part of the problem from 2001 to 2008. I would not play the game and lost numerous clients due to my ethics. This has been nothing but a slap in my face. I know Citi reviews this website and would certainly hope to have a fair resolution and a hope that my history proves that I am an asset to the appraiasl industry. Citi is treating me unfairly.

Pete 1/8/12 3:22PM

Official company reply

Pete, honestly, I do not have experience in the matter you've written about. However, my promise to you is that I will try to find the right person at CitiMortgage to contact you to discuss this further. Please email me.

Regards,

Mike Cardace, Citi
michael.cardace@citi.com
MikeCardace 1/8/12 8:26PM
I am surprised to see a response from a Citi representative. I have been trying to get a modification since August 2011, today is Jan 8, 2012. I have sent every piece of information in on numerous occasions. I am told that they are always missing something, but they cant tell me what. My lawyers have faxed in the documents as well. I am headed into foreclosure with a possible sale date, and no one to help or respond. I have purchased my house in 2001 and am a single parent of three children. I was laid off for a 1 1\2, but prior to that I've worked the same job for 15 years. I am at a loss for words honestly, i know that people have a job to do, but to treat people as if you are illiterate or clueless is sad. I work in a IT company with computers/networks all day and to be told that I am not faxing to the right number for 6 months now doesn't even seem real to me. I have done the hardship packet so many times, and every thirty days they tell me that my information is out of date and I have to fax in all new bank statements and pay stubs. I just recently spoke with a lady that gave me her email address and asked me to email her my information and she would get it to a supervisor. I pray that she will do what she says and then I pray that someone will have a heart and at least turn my paperwork into the underwriters. This is the last straw for me and the kids, if this doesn't work we are going to have to pack our things and find somewhere else to live after ten years of my struggling to keep the only thing we have. I pray for each and everyone of you on here that things will turn around in our all of our lives.

Columbia, SC 1/8/12 1:04PM

Official company reply

Hello, sorry to hear about your struggles. Please send me an email and I will try to help. When you email me, mention that you came from this site, copy/paste your post tro savce yourself time, and include your address/phone#.

Regards,
Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/8/12 7:53PM
So let me get this right: The American taxpayer bailed out Citi to the tune of $25,000,000,000 in October 2008, then received another $20,000,000,000 in December 2008, yet they treat those very people that saved their bacon like...bacon? My wife, whom has an MBA, lost her job 3 months after we bought our home and hasn't had a whiff of a job in nearly 3 years. As a result, we have been living off of my sole income, paycheck to paycheck. Because Citi miscalculated our property taxes, our monthly payments increased by $650. Consequently, we fell behind two payments over a 2 year period. We tried to get a mortgage modification but have been given the runaround like you wouldn't believe. Our Account Specialist, Waveland D. has "lost" our paperwork 4 times now! We are on the verge of losing everything and the very people that showed such alacrity in taking taxpayer money seem to show little care, respect or concern for those that saved them. AMAZING! And there is wonder why people are just abandoning their homes? If anyone else has a similar experience, I recommend we get together and file a class action lawsuit against Citi. I recommend we go to Congress and be heard. I recommend we go to our respective state's Attorneys-General and put this bank on notice that if they continue to treat us like meat, they will be held accountable, just as I am each and every month when my mortgage is due. Are these people not human beings or is the almighty dollar so powerful to them that their only sensitivity is toward making a buck, come hell or high-water? Citi, SHAME ON YOU! Continue to do business this way and see what happens.

PATB 1/6/12 4:10PM

Official company reply

PATB, I'm sorry to read about your financial struggles. If we lost your mortgage modification paperwork 4 times, then please accept my sincere apologies. I can honestly tell you that there are many people here at CitiMortgage who care very much about doing everything we can to help keep people in their homes. Please get in touch with me right away, and I will have someone from my team contact you to review your situation and try to determine if there's a workable solution. You can email either of the addresses below, and I will get back in touch with you right away.

Regards,

Mike Cardace, Citi
customer.help@citi.com
michael.cardace@citi.com
MikeCardace 1/8/12 8:22PM
This is the second attempt to get this posted. I'm sorry if it appears twice.

Last year I contacted Citi about options to lower my monthly payment. My income had dropped due to a decline in my business. The rep at Citi told recommended a forbearance program. I told the rep I did not want to do anything that could damage my credit. The rep told me this would not be reported on my credit as long as I continued to pay the forbearance program as agreed. I paid as agreed and found that my credit was severely damaged. I have a balloon payment for my 2nd mortgage and business both due in this year. If I'm unable to get the banks to continue financing due to my damanaged credit I will lose my home and business. Has anyone had a similiar problem with Citi and did you get it resolved? Thanks.

Scott G. 1/3/12 8:35AM

Official company reply

Scott G, shoot me an email, and I will have someone from my CitiMortgage team contact you to discuss your situation. We cannot impact how a certain mortgage payment program/plan might impact your credit score. I can involve a team to review all calls that we had with you to determine if we made a mistake in our communications with you.

Regards,

Mike Cardace, Citi
customer.help@citi.com

MikeCardace 1/8/12 8:15PM
What Can I say about Citimortgage? They don't care about people. I was working with their people for months trying to get my home out of foreclosure they were no help everytime I called I got a different person. I did get a dollor amont so I could reinstate my loan from there lawyers. So I came up with that amount called Citi and they would not except it. They wanted to do a loan Mod. I kept telling them I have the cash to reinstate but still they wouldn't except it. So now they sold my house in a sherrif sale and I have to move My wife and 3 teenage daughters somewhere. Why in the world would they not except the cash? Why don't our Government step in fix these issues? According to this website it doen't look like Citi has a clue.

Anonymous 1/3/12 8:25AM

Official company reply

Hi. Please email me. I'd like to have your experience reviewed. It's hard for me to comment further without know the details. If you do email me, please mention that you came from the CSS site, copy/paste your post for convenience, and include your address/phone#. I will have someone from my team contact you to discuss.

Regards,

Mike Cardace, Citi
customer.help@citi.com
michael.cardace@citi.com
MikeCardace 1/8/12 8:07PM
My husband and I are trying to pay off our mortgage earlier with Citimortgage. We currenty have the biweekly payments and I've been sending an additional $1,000 every so ofter to get it paid off. Well, enen though I am requesting to put this towards the principal only, they are still charging me interest! When I called Customer Service, they told me that they charge interest if the payment isn't applied the same day our regular payment comes out. I never heard fo such a thing. The whole purpose of making additional payments is to reduce your principal, not pay more interest! To top it off, they don't allow online payments so I can't even pay it the same day our payment is applied since I have to send via email and take a chance. Will never take another mortgage with this company again.

Anonymous 1/3/12 12:35AM

Official company reply

Hello. Please get in touch with me by email. I would like to look into this experience to ensure we are handling this the right way. To my knowledge, we (CitiMortgage) do accept online payments.

Regards,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/8/12 8:03PM
I don't know where to begin. Not only did it take over six months for my mortgage to be assumed, now I find out that after I went to settlement on December 1st, the mortgage has not been changed to the new owners. I am still being shown as the mortgage holder and I keep getting emails that my mortgage payment is late. I have been dealing with Jessica Miller who never answers her phone and takes forever to return a phone call. I do not want my credit rating affected because Citimortgage is slow in processing paperwork.

Connie 12/30/11 7:43AM

Official company reply

Hi Connie, if this is still an issue, send me an email and I will try to help. In your email to me, please mention that you came from the CSS site.

Thank you,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/8/12 8:00PM
I have an existing Citi mortgage and received a letter urging me to refinance, but without information about the large closing costs. In phone discussion with sales Consultant Joel Lamm i was given a misleading picture and then in a supposed Good Faith Estimate received by mail, I was told that costs would be around $7,500. Went ahead with process including getting appraisal, then suddenly receive, without explanation or note about drastic change, that closing costs will be $14,762, including more than $7000 in taxes that had not previously been mentioned. Refinancing makes no financial sense for me with those costs and I feel I was badly misled and wasted a lot of time. I suspect this happens to others. Here is letter I sent canceling the deal.
"Dec. 27, 2010
Dear Ms. Johnson,
When I first inquired about refinancing, on the telephone, I was told that closing costs would be about equal to "a year or two" of the money I'd save by doing so. You can listen to the tape. Then in the mail I received a Good Faith Estimate of total costs of $7,563.99 -- significantly more, but perhaps manageable. That total listed state and local transfer taxes of $120.00.

Now today I receive your letter of Dec. 21, with no explanation, providing another Good Faith Estimate of closing costs of $14,762.74. Including state and local taxes of $7,318.75. Did you think I wouldn't notice this near-doubling of costs?

I can only conclude that the previous estimates were either a deliberate bait-and-switch, or reflect incompetence. In either case, I will not proceed with a transaction that will only save me $228 a month."

rickstockholm 12/28/11 2:50PM

Official company reply

Hello rickstockholm, if you would like to email me I can try to help get you a better explanation of the "projected" costs. I'm sorry you feel as if you were misled, I can assure you that was not our intent. There are many factors that can impact the final numbers with respect to a refinance, and you always have the final decision as to whether or not to move forward. Please get in touch with me if you like, and in your email let me know that you came from the CSS site.

Kind regards, and best wishes,

Mike Cardace, Citi
customer.help@citi.com
MikeCardace 1/8/12 7:58PM
WOW I don't even know where to begin.
I was laid off from my job earlier this year. We contacted a goverment assistance program who told us we qualify for the HAMP program. Our rep from the govt asst program helped us in contacting CITI and explained our situation to them. This was after our first attempt to do it ourselves. The lady at CITI was very rude and basically said because we were current with our payments they could not help us. She stated we had to be 90 days past due for any help. I was blown away. I have been struggling every month to pay the bill so we would not fall behind but now I am being told that was the only way to get help. Because we did have some savings we have been able to keep paying our mortgage however that money is just about gone. So I contacted CITI again. This time they told us we didn't qualify because we make to much money. HELLO did they not hear or see that I have lost my job which was 1/2 our income. My husbands paycheck does not cover the mort and the bills. This was our 3rd attempt for help. Our credit has gone in way down because we have not paid our CC bills besides our mortgage so we are pretty much stuck with CITI. However I feel like they are not even looking at our loan and attempting to help. I feel like they are given a paper with excuses to use and which ever one they feel may fit they use. We have been getting the run around for more than 7 months now and I am fed up. Our mortgage will be defaulting next year because we are just not able to pay it anymore.

justshocked! 12/28/11 7:48AM

Official company reply

Justshocked, I'm sorry you're having so many struggles, and I'd like to try to help. One thing I can promise you is that I will put you directly in touch with someone at CitiMortgage who will try to determine if there's a workable solution. Please email me right away so we can start.

Mike Cardace, Citi
michael.cardace@citi.com
homeownersupport@citi.com
MikeCardace 12/28/11 8:14AM
arhhh!! I'm so freakn tired of CitiMor. nothing but run arounds with these people.. just got off the phone with a rep that was rude, hostile and even threatened me, saying if i spoke over him that it would be very volatile for me.. man.. i asked for a copy of the supposed recording of myself and a lady rep telling me that they went over all my info. and qualified for some type of program and that i should be getting my packet in a few days.. and then.. over 3 weeks now and nothing.. so i asked for the recording and this new fish tells me that he has to get a manager.. so i'm like okay.. then he goes on and on.. so i said look let me "PLEASE" speak to your manager.. and he's like no... and goes on and on.. i pleaded with this guy to let me speak to his manager and then this dude hangs up on me!! man i tell you this is exactly why citi is the way it is.. horrible!!! stay clear!!

SoUnHappy 12/27/11 2:51PM

Official company reply

SoUnHappy, first, if a CitiMortgage Representative was rude/hostile to you, I truly apologize. That's a serious issue, and one that I'd like to investigate immediately. Next, let's try to solve the issue of the program you're trying to qualify for. Please send me an email, and I will have some contact you directly to assist. In your email to me, please include your phone# & address, copy in this post, and mention that you came from the CSS site.

Mike Cardace, Citi
homeownersupport@citi.com
MikeCardace 12/28/11 7:56AM
Citi sent me a package in Oct offering me a lower rate on my mortgage that they already have.I started the process Oct 28th.This was supposed to be a simple re-fi,IT,S NOW DEC27TH & they have turned this into the worst experience I've ever been involved with!Remember they came to me so I thought this would a simple process.They requested 415.00 dollars to be paid up front after I agreed to thier offer.I paid the 415.& was assured the process would be completed by X-mas!For two months I've been jumping through hoops & still no new mortgage.They keep coming up with new requirments that are not needed,since they already have the mortgage they should have all the information they keep requesting.As far as customer service thats a joke,they won't ever return a phone call or an e-mail.I'm already on my third or fourth so called loan officer & every time you get a new one I't like starting over again!They also seem to not be able to find documents you send them until you tell them three times that you sent the in weeks ago,then all of a sudden they tell you oh here they are which just keeps slowing the process down even more.In forty years of owning homes & mortgages & a couple of re-fi,s I've never seen such incompatence & confusion.The only reason I keep plugging along with them is because they,ve got my 415.dollars.I'll keep you posted on the outcome.I'ts almost to the point I might have give up & go to my corner bank where there are real people to deal with,I'd already be done by now!Take my advice steer clear of Citi if want to keep from going crazy!

michman 12/27/11 2:08PM

Official company reply

Michman, thanks for sharing your experience, and I'm sorry for things like non-responsiveness to calls/emails, trouble finding documents, and seemingly poor hand-off between various loan officers. That's inexcusable. I want to let you know that many people at CitiMortgage will read your post. I would like to get you someone to assist, immediately. My email address is below. Please include your phone#, address, and a copy of this post. Thanks in advance for giving me an opportunity to regain your trust.
MikeCardace 12/28/11 8:09AM
we have been in the mod department for three years could you even begin to think that your gonna loose your house or not please help me city what are you doing your house is falling apart cause i dont know if im staying or going da you have givin the run around for so long what the heck is going on

stressed 12/26/11 8:41AM

Official company reply

stressed, let me see if I can help you. Please send me an email at homeownersupport@citi.com and include phone# & address. I will have someone contact you directly.

Regards,
Mike Cardace, Citi
homeownersupport@citi.com
MikeCardace 12/27/11 11:18AM
My home is practically falling down, roof on the verge of collapse at some point, leaks that can't be found to fix(repaired whole roof twice still leaks.) I am trying to get help from a low income government program who came and inspected the home. Their recommendation is to knock it down and rebuild. When I explained the situation to Citimortgage, they won't budge in their answer of no. I have to pay off the existing mortgage in full. If I could afford to do that, I could afford to fix the problems. I have written letters to them etc. Still a no. I wonder if I just stop paying my mortgage for this house, if they would then listen?

EileenG. 12/23/11 4:18PM

Official company reply

EileenG, I'm sorry to hear you're having these problems in the house. I can have someone contact you to continue to discuss possible options based on your situation. Please send me an email, and include your phone# & address.

Regards,
Mike Cardace, Citi
homeownersupport@citi.com
MikeCardace 12/27/11 11:27AM
For those of you that are in the battel with Citimortgage, get legal assistance now. We have lost our home after attempting to go through the Citimortgage Loan Modification Process for the last 2.5yrs. Citi has no intentions on approving any modifications and the run around that they gave us to the very end was unbelievable. As we spoke with numerous representatives from Citi, others were in the process of Foreclosing on our home and sending it to Short Sale. We were told that we were denied a Modification request, Pre-Approved in June and Pre-Approved again in August, but never received any notification or calls stating that. The numbers that Citi stated they called were not our numbers or any I had ever heard of. There ERU got involved and said that would put in a request to Rescind everything to Fannie Mae and Fannie Mae denied the request, based on some information they were suppose to have received from Citimortgage during the process ( A Mod 24). Citimortgage admits not sending it, but Fannie Mae didn't care. They had the nerve to say they were stopping all evictions during the holidays, until the beginning of January. We had to get out of our home on December 5, 2011. Never had a late payment in 3 yrs., but once we started the Loan Modification Process, it went downhill from there.

Footballref 12/21/11 11:20AM

Official company reply

Footballref, I'd like to ask, respectfully, for a chance to speak to you about this. Can you please send me an email?

Mike Cardace, Citi
homeownersupport@citi.com

MikeCardace 12/28/11 7:49AM
Citimortgage is horrible! They claim to offer loan remodifications; however, all they do is give you the run around, make you jump through hoops, and then turn around and make an art out of denying hard working middle-class americans any modifications. In this great country of ours, we would all be better off going on welfare instead of doing what is right! Here I am, after being layed off, doing everything I can to make sure my mortgage gets paid because I WAS REPEATEDLY informed that I had to stay current on our mortgage to qualify for a loan remodification and they actually denied me for that reason!In fact here's what they said "we are unable to offer you a Home Affordable Modification because you are current on your mortgage loan..." Unbelievable! So much for trying to do what is right! I would have made out better by not paying my mortgage and claiming bankruptcy! Better yet...why don't I just go on welfare! At least I won't have to worry about paying for anything! I guess this is the land of the free!

Angry Customer 12/20/11 1:27PM

Official company reply

Hello, I'm very sorry you're frustrated and would like to see what I can do to help. There are potentially other options based on your situation. Also, please keep in mind that with many loans CitiMortgage is your servicer, and an investor actually owns your loan and ultimately determines options/qualifications for programs. Get in touch with me at the address below, and let's see what can be done. Our goal is to help as many people as possible. I also strongly recommend you visit the discussion forums on Loansafe.org to hear thoughts from people who have been in your situation. Some of their excellent forum moderators are Cat and Evan.

Regards,

Mike Cardace
homeownersupport@citi.com
MikeCardace 12/20/11 1:46PM
customer service people can not think for themselves only repeat back what is written on their script. can not or will not give definiate answers. Not customer friendly at all. refuse to listen to you and talk over you reading their prepared script and to get a supervisor is almost impossible and they are no help at all. really wish I had not gotten involved with them to begin with.

lpierson 12/7/11 1:50PM
For some unknown reason I was told by Citibank that mortgages originating from Calpers don't qualify for HARP. They couldn't explain why.....

So, CitiBank was allowed to refinance their hundreds of billions of debt to near zero percent but they can't seem to bring themselves to reduce the interest rate on my mortgage to market rates? I make 120k/yr, good credit, never missed a payment in 7 years....5.6% is too high but they won't lift a finger. The FannieMae website says they have my mortgage, but Calpers? seriously? whats up with that? I hate Citibank!

Just wanted a lower interest rat 12/6/11 4:10PM

Official company reply

I'd like to look into your situation, get a 2nd look, and see if there's a better answer to give you re: HARP. Send me an email and please include your phone# and address. Thank you.

Mike Cardace, Citi
homeownersupport@citi.com
MikeCardace 12/27/11 11:51AM
All of you aggravated by the refinance, STOP and DEMAND your money back. These people are so incompetent they shouldn't be allowed to even operate a business. We tried twice assuming it would go good because they are our lender and because of our excellent credit. WRONG!!! Go to Quicken Loans...You will be amazed how different they are!!! They send you the docs to sign, you send the docs required, they keep you informed of the status of your loan and they ANSWER phone calls!! They are polite and as different from CITI as night is to day. I can not say enough good things about Quicken Loans and I am so glad we found people that actually WANT our business without all the BS!!!

Anonymous 12/4/11 8:37PM

Official company reply

I'm glad to receive this feedback, and obviously very disappointed that your experience with CitiMortgage was so poor, and that we lost your business. I'd like to look into your entire experience if you'd like to share more information with me. My email address is below...

Best wishes,
Mike Cardace, Citi
homeownersupport@citi.com

MikeCardace 12/27/11 12:01PM
I have been trying to close a re-finance of our present Citi Bank mortgage for the past three months. During that time, I have not received ONE call back from the person assigned to our case despite my pleading to receive a call back. I also have e-mailed her numerous times and when receiving a reply (only twice) she did not answer the questions I asked.

I am very sorry that I decided to re-finance with City Mortgage and am very tempted to just forget the $400+ that they already charged to our credit card and go with another lender. I will never deal with them again.

FedUp 12/4/11 7:16PM

Official company reply

FedUp, I'm sorry for this very poor customer experience. Where does this situation stand now? I'd like to step in and try to guide this back on track. I'll also find out the reason for the communication lapses. There's no excuse for that. Email me, and I will get back to you immediately!

Regards,
Mike Cardace, Citi
homeownersupport@citi.com
MikeCardace 12/27/11 12:06PM
CitiMortgage, lies, cheats and steals. Where is the Government watch dog groups to assist homeowners from the big bank sharks? Nobody assigned to help us keep our homes cares enough to fight CitiMortgage. Employees at CitiMortgage told me of all the shady deals CitiMortgage forces them to do. Very sad! I lost everything i' worked for my entire life when my home was stolen from CitiMortgage. At 52, I will never recover from that loss.

dixie 12/4/11 11:18AM
I had storm damage to my home, had the work done and paid my bills. Forget about ever getting the insurance money back from Citibank. They are the most powerful thieves on the planet. They have more policies and forms to prevent you from getting your money, than you could imagine. They are arrogant and useless on the phone. They have no interest in giving you your money. They keep your money interest free while they try to stress you into the grave.

NoMoreCiti 11/30/11 5:43PM
I have been told by Citi cust service rep (after being transferred and called "sweetie" in a condensending manner) that Citimortgage does not do a cash for keys program in MO. She acted like she didn't even know what I was talking about?

Anonymous 11/30/11 1:16PM
Can someone PLEASE tell me who to complain to that can actually DO something. We started our refinance process in early Sept and it had been a complete joke! They don't want any to refinance because they are making it miserable. They need our bailout money because they can't keep business. I do not want to start this process over somewhere else just need to find out if there is anyone who can give them a push.

Elizabeth 11/29/11 8:59AM

Official company reply

Hi Elizabeth, I realize I'm late here and I apologize. To answer your question, you can complain to me, and I will get you help. My email address is below. Please include your phone# & address, copy in your post, and mention that you came from the CSS site.

Mike Cardace, Citi
homeownersupport@citi.com

MikeCardace 12/27/11 12:12PM
Where to begin . . . I am completely dissatified with Citibank Mortgage. To begin, I signed a mortgage with a 3rd party, who sold my mortgage to Citibank. I recently almost paid this mortgate in full and began the process to refinance the remaining balance with Citibank. For the past 60 days I have been attempting to give them the information they have requested to approve our refinace. I have faxed the information twice, to the "secured" fax number they provided, but they didn't receive it, even though my fax machine confirmed it was received by them. After numerous complains to them, they decided to overnight a "return overnight" envelope to me to expedite the documents, which I promptly overnighted back to them. I reached out to my loan processor to confirm receipt of my overnight package to them, she confirmed receipt. 4 days later, I receive a notification from Citibank requesting the SAME information I JUST overnighted to them. Their response time is horrible and they obviously can't keep track of sensitive documents mailed to them. I will NEVER use Citibank again -they are horrible.

Angie 11/26/11 6:12PM

Official company reply

Hello Angie, I'm sorry we let you down. The things you describe are inexcusable. If you have a minute, please send me an email. I'd like to have your whole experience reviewed, and that will help me uncover the underlying causes for these issues and highlight areas that need to be improved. Thank you.

Kind regards,
Mike Cardace, Citi
homeownersupport@citi.com

MikeCardace 12/27/11 12:19PM
I did a Re-Fi with Citibank, they offered me a guarantee that if the interest rate dropped, I could ask for my rate to be dropped accordingly, once withing the next 3 years. When I called them and asked them to drop the rate as per their agreement as rates had dropped more than a 1/4 of a point, I was told their "rate conversion index" had to drop a 1/4 of a point. According to the documents at closing, Citi stated it would be available on their web site. It is not. I have spent hours on the phone, with no results and no one returnes my calls!

shane 11/26/11 9:41AM
I have been with CitiMortgage since 2006, I rated them well until mid 2008. My mother passed 2007, after 1 year I wasn't able to keep up with my loan. I applied for a loan modification that process took 6-8 months. Then in 2010 I lost my job, since that time I had ask for a modification loan,forbearing and I had NACA an orginzation to assist me in this matter. It's November 2011 and I have still haven't gotten any assistance with my loan as of 2010. I still need the help.

Pastor C. 11/25/11 7:22PM
I have been working with Citi for over a year now trying to get my mortgage reinstated. Last October I was two months behind on my mortgage. I attempted to pay the money I owed plus late fees. I was told they can not accept my money and I needed to be on a special plan. I have emailed and faxed all the paperwork that they asked for over 12 times in the past year. I have been thru countless CSR's and supervisors. Every time I send the paperwork they request I am told that I am assigned a new person and am asked to resend all paperwork. I have been yelled at by CSR's and laughed at by supervisors. I was told they needed a years worth of bank statements. I spent hours downloading and sending these only to be told we only need two months.The Csr thought this was funny ! I have been given names and phone numbers of people that don't even work within the company.I was scheduled for a sheriff sale in October 2011. It was held off till December 8th 2011. I never ask for a special plan in the first place. Now I'm 16 days from the next sheriff sale and no closer then I was a year ago to fixing this. This is joke to the Csr's and supervisors that work at citi. Its not a joke its me and my daughters home. I have done everything they requested over the last year except now I owe thousands of Dollars in attorneys fee and they have my homes cost up to 106 thousand dollars. I don't know what I should do here.

AEBretz 11/25/11 6:36AM
Now write to the following, be it on line, mail or call.:
Citi Executive Response Team (636)261-7200.

Attorney General of Missouri/ Chris Koster
---Jennifer Zagoorac- his Complaint Investigaror. P.O.Box 899, Jefferson City, MO. 65102. (You cn google him on line and file a complaint thru Missouri State Attorney Gnerals office.

F.T.C./ (877)382-4357
O.C.C./ (800)613-6743 or helpwithmybank.gov

Contact your local congress person, there and in Washington D.C.

CEO of Citi/ Vikram Pandit: Write him.

I WROTE LETTER TONITE TO ATTY GEN of MO...Speak up people!!! No one else will do it for you!! Write everyone and don't stop until we get answers!!!

Anonymous 11/22/11 9:00PM
I am very dissatisfied with this company and customer service. Tried several times to work with them regarding my mortgage payments, stating I am late, tell me what I need to do, I do, then another rep tells me something else;complete run around. In the mean time this reflects on my credit reports for their lack of follow through and misinformation which the consumer looks bad. One rep will say no notes are available, one will say they are and then negative misrepresentation is documented. They are not helpful at all. I feel as if they really do not want to sincerely help people.

lee 11/21/11 8:06AM
What idiots!!!! Citi paid (from my escrow account)the taxes for the property I have mortgaged with them. They also paid (from that same escrow) taxes on another property of mine that they do not hold the mortgage on. They now want to raise my house payment to cover the extra needed in my escrow account to cover the "new tax rate" - my actual taxes on the mortgaged property plus the taxes on the non mortgaged property. The idiots cannot figure out what I am telling them that the two parcels of land are not related.

They are also crooks. FEMA decided we are now in a flood zone. Seriously, if my land floods, build yourselves an ark!! Citi Mortgage requires flood insurance because of this. We can get our own or they will supply. We have to choose by a ridiculous deadline. They decide to use theirs even though we paid for our own. Now they need to reimburse. Theirs $2400/yr, ours from Farm Bureau Insurance $400/yr. CROOKS!

Between these two things they wanted to raise the payment $500/month. Do they want to force a foreclosure?????

unsatisfied Citi customer 11/17/11 10:51PM
Not sure who to complain to---Citi mortgage set me up with a Jorge Gonzalezis at Citimortgage Inc-1000 Technology Dr--O'Fallon Mo. Phone #636-329-0568 who was to help me with a release of liability. After my divorce the judge gave me 75 days to have ex wife,s name released from mortage No one answers the phone and its been over a month since I've spoke with him. I have never missed a pmt or been late on a pmt I have excellent credit scores and I have been stressed because of the lack of contact in fear of loosing my house. This feels like a sham.

Anonymous 11/17/11 3:33PM
citi mortgage custermer service employies stated to me, that if my house would appraise for 148.000 or higher they would automatically take off the pmi payments each month, I paid threw citi mortgage 385.00 my house apraised for 169.000 now they are saying that is has to reach other certain requirments before it can be removed one was to give them 26,000 and it would be taken off. I spoke with several citi reps. before I ever paid the appraisal fee. I think they should refund my money, for them missleading me. Ken Handy 704-489-8504

Anonymous 11/16/11 8:29AM
As a Georgia Realtor & homeowner I have never dealt with such a horrible mortgage company. Their low customer rating doesn't surprise me at all.I have NEVER defaulted in a loan payment in my entire 43 yrs as a homeowner,on any mortgage. Yet EVERY month starting on the first, I am harrassed with automated phone calls from Citimortgage. And when I answer the phone I get hung up on!!! I called to ask for these calls to stop & was told to write a letter! No apology. I wonder how long any of us would be in business if we treated our customers the way Citimortgage does? It time to refi.

M. Griffin 11/15/11 1:50PM
I was working with citimortgage to buy a bank owned forclosure,..(My true dreamhouse) I spent about a year of my life working to get everything taken care of to their satisfaction, lining up contractors for repairs etc.. and they sold the house out from under me 5 days before closing.

One of my contractors was depending on this job to stay afloat and will now close their doors.

Even though I was under contract they know (from my price negotiations on the house) that I have no money to take them to court.

Citimorgage is a criminal organization that operates without morals.

My tax dollars bailed them out and they still only care about themselves.

Citimortgage goes against the very priniciples of America.

Boycott Citibank, CitiMortgage and put your money in a local Credit Union, it's the only way they'll ever learn to treat the people who made them, with some humanity.

TheBrokenHeart 11/15/11 1:41PM
I just read most of the complaints about Citi and agree with all of them. I just called Citi referencing my acct w/them and spoke with Brian ID 38414 in AZ and then Gary ID 40860 in MO and still received no help. I would gladly join in on a class action suit against Citi but I personally do not have the funds to start such an action. Especially due to the fact no one will tell you who the head person is and where they're located by State. And States have different laws. My loan is now going to be servied by MidFirst Bank in OK oh, boy, bet that will be fun too. Looked them up and their complaints are many. Seems like there should be someone to help all of us. Told Gary he should look up some of the complaints just to see who he's working for, just as a human being. Sorry for all of our terrible "customer services" recieved by Citi. May God bless you all.

annonymous 11/15/11 12:13PM
I entered into a cash for keys agreement with Citi. The agreement was 1000.00. I cleaned the entire house including the carpets. I rented a dumpster to remove debris. Had everything removed and vacated the property in the time alloted. I was denied cash for keys. No one will give me a copy of the property report and I get transferred to 10 different people when I call. After numerous research I found who did the property inspection and he said there was no debris noted. After 8 years in my home begging them to lower my payments, going through foreclosure, doing the right thing leaving everything intact and clean in my home they still found a way to screw me again at the very end.

suzettemiles 11/15/11 8:18AM
Just got done reading all the negative comments and I am with all of you on all of it!! I was divorced Dec 2010 with 2 children, left with a $1300.00 mortgage a month to pay...needless to say, fell behind after paying it on my own income for 6 months. Contacted Citi and they said that I would qualify for modification of my loan to bring my payments down lower because of my circumstances. They requested divorce papers, income, bank statements pay stubs...etc. I submitted EVERYTHING they asked for and was even givin the name and extension of "MY" contact person through the whole process. My contact person informed me that she would call me every week and let me know the status of my application for modification. Needless to say, this did not happen...i would call her ext. and someone else would answer...hmmmm. And they would try to help me, WHATEVER, give me my person! I dialed her ext. and she was never there, always a different person! My contact person finally contacted me after not hearing anything for a month and she said the underwritter needed more information...WHY? Anyway, i always sent what they needed for 6 months, in the mean time i kept my motgage current and nothing had happened yet. And then guess what happened just yesterday...(right in the middle of all this) Citi sold my NOTE!!! WHAT????!!!! They contacted me through a letter, no phone call? NOW WHAT? I have had this loan, paying on this mortgage for 6 years! How could they do this to me and my girls after 6 months of the modification process??? WOW. I have no idea what to do now...please, feedback would be great. Thank you. Please email me junietoons@hotmail.com

Junie 11/15/11 7:40AM
we fell behind on our payments and citi was helping us get a modification program back in june 2011.I sent in all the paperwork, and have now paid the 3 month payments for the trial period. they call and ask me if I have gotten the packet yet. what packet? They continue to say it was sent awhile ago, and yet I have not seen it. I don't know what they want me to do next, other than wait to see what the next payment will be. As it is, they only brought our monthly payment down by 40 dollars. They don't give me a straight answer on the new payment. I won't send any more money until I know if they have a set payment or if they are screwing around with us like they are with so many others.

frustrated in mn 11/14/11 5:47PM
citimortgage automatically changed my account to paperless statements 4 times in 60 days.

Each time I cancelled and emailed customer service demanding they quit automatically changing my preferences. They had a vauge response stating they were "expanding paperless statements and had noted that I had cancelled paperless statements"

For 40 cents a month they will lose my 13 year on time loan and $255,000.00 in future interest profit.

This business practice equates to stepping over dollars to pick up pennies. I'm gone.

Ron Baker 11/14/11 9:35AM
In response to CITI employee, Momof2, saying that CITI only cares about people who pay mortgage on time I can tell you NO THEY DON"T!!! We have paid every month on time for years, our credit scores are in the 800's and our credit history excellent. After trying a second time to refinance we had to stop it again because of gross incompetence.I believe my problem would rank better than all the 400 and some submitted here. Actually if anyone is an attorney feel free to call because we are in a situation we don't understand.
We have a first and second mortgage on this home. We received yesterday info from our 2 insurance companies that our second has been paid off and now CITI is the only mortgage holder. Does that mean CITI paid our second? Does that mean I don't need to pay my secong? Isn't this supposed to be done after closing, not when a refinance HAS NOT HAPPENED? Who will fix the insurance issues? If my home burnt to the ground tonite, who would my insurance company pay? What would happen to the second mortgage holder who according to the insurance declaration has been deleted? Would they be paid? Is my second mortgage holder going to have to get involved now?
Don't ever do business with CITI. Every possible document was sent to these idiots and they still screwed it up. They lie, they take your money without permission, and now they have screwed our insurance up. WHAT NEXT??? I only wish I had enough space to detail all the crap we had to go thru to do a refinance that was apparently too hard for these idiots to accomplish. We will get rid of them, sooner or later. They are just not smart enough to do anything it seems. They have outdone themselves this time.

FEDUP 11/13/11 6:00PM
Not sure why we gave these idiots a SECOND chance but looks like we are going to have to demand our refinace be stopped again. These people are dumber than a box of rocks. Our credit scores are over 800 so I really feel sorry for people who are underwater and out of work. Having to deal with such frikkking idiots is enough to make someone sick and this is after all these crooks got huge stimulus funds from our government. No wonder people are protesting... Banks are rippin people off ......... DON"T EVER TRY TO DO BUSINESS WITH THESE CROOKS!!!!!!!!!!

Anonymous 11/8/11 6:37PM
I spoke with a Citi Mortgage representative last week concerning my mortgage payment and mentioned receiving an email from "chase.com". I question it's authenticity and he told me to forward it so it can be looked into. I am forwarding it from my blackberry cell phone.

Thank you,
Jan Flowers
Niceville, Fl 32578

jan flowers 11/6/11 1:49PM
I had a modification done about 2 years back. I had some big personal things going on and left too much in the hands of Citimortgage instead of seeking additional help from an attorney. Seek help! They were kind enough to let me keep my home and wrapped my delinquent payments into a new loan, while property prices were falling. Now I have a $270,000 home loan on a home worth about $235,000. And they told me to stop paying to get the process started, which is why I had delinquency. They could have just lowered my interest rate a few points and not put me in such a hole. Life could be much worse, but in hindsight, I should have let them take it. I don't know why they would appraise these homes for so much more than they are worth... seek help from an attorney! I still may.

Kev 11/6/11 6:43AM
CitiMortgage,have been working with them for a loan modification for three months nothing but a run around, send more paper work over and over again with so many different people, this has been just a waste of time had i known they have such a poor record with helping us having read that 390,000 people have filed a claim against them I'm furious.Is this what the President had i mind for all of us to go threw i do not think so!!!!

foxtrot1886@comcast.net 11/4/11 4:19PM
If you are thinking about getting a mortgage from CitiMortgage, Don't! If you have damage to your house after a storm you enter Bureaucracy hell. It does not matter if the work is done and you have paid all the bills and you have a check from your insurance company they won't endorse it without more paper from you.

Anonymous 11/3/11 12:49PM
Ridiculously incompetent customer service.
Called them to refinance my second mortgage. After spending one hour and being transferred five times, every time struggling to explain same thing over and over again (often with people that talk very poor English), I finally got to a lady that seemed as she might be able to help me.
However, she was incredibly impatient and rude. She obviously didn't want to deal with me at all. Asked me to itemize all my income and expenses and call them back after I am ready for her thorough investigation. I tried explained to her that I probably know enough information to proceed right now (not wanting to go through the whole ordeal some other day), with no help. In the end, she simply hung up on me (basically, she asked me to "wait a moment", followed by busy line signal).
Just awful. I hope I never have to deal with them again.

dave 10/29/11 12:21PM
I am pissed off that I can only get customer service persons out of the US!!! 6 calls today, with each one asking for someone in the US. Got "Cut Off" each time!! What has come to employing our own?? Unemployment is thru the roof and we continue to talk to FOREIGNERS to help us with our Business! Take a STAND and refuse to speak to all the FOREIGNERS that at are taking our JOBS!!!!! This will most likely get censored!!!

Mad in Kentucky 10/27/11 3:19PM
I took $100,000 Equity and took me 7 years to pay,I paid it all in citibank with the manager and came back after a month I have to pay $30 and next month I paid another $26.They said I can not close without paying this.The following month, I owe again one penny.I went to the bank and trying to pay one penny,and they said I have to pay $125.00 to take the lien in my house.Poor communication and no notification sent to me.

ROSARIO 10/26/11 2:55AM
I have been trying for a year to do a home modification. I was 60 days late and they put me in foreclosure.. While I had all the paperwork filled out for the modification.
It is now OCTOBER and the PAPERWORK was done and sent in JULY. Now.. they say.. I need to verbally give them all the information again since it has been so long.
You never get the same information. You get people from other countries that don't know wtf they are doing!!
They appraised my home they said. Check it out. 20K less then what I paid for it back in 1999 not to mention the land size doubled. How is that? I bought back before the BIG BOOM!!
There is so much more and pretty much from reading just a few comments it's the same Sh*t!

Frustrated in Florida 10/25/11 5:50PM
Cannot reach anyone in customer service on the phone. Calling about a refi and no one will pick up. Been on hold three times now for over 1 hour each time.

Dustin 10/24/11 4:42PM
Citimortgage is the worst. I'm sure there will eventually be a law suit brought against them. All of us here can't be wrong about the way they do "BUSINESS" (What a joke!) I just got off the phone with one of my suppossed "Homeowner Support Specialists". Poor thing hasn't got the brains she was born with. She doubletalked the whole time. Going back, I was "prequalified" for a home modification loan. I was told by them that in order to qualify I had to make the next 3 payments on time. I didn't personally have enough money to make the payments (which was why I was applying for the modification!), HOWEVER, since they said I HAD to (or be denied the possibility of the modification), I had to find somewhere to get the money for those 3 months. I had been robbed not long ago and had received some compensation from the insurance company to replace the stolen items. Instead of replacing my computers (which really was a hardship to be without for 3 months) and tv's and other items, I used the money and put it towards the my mortgage payment. I figured once I received my modification, I could work on trying to replace the items a little at a time. So, after the 3 month trial period,I received 6 letters saying that I was turned down. ONE OF THE REASONS ON EACH ONE WAS: LOAN MUST BE IN DEFAULT!!!!! Another one was worded differently also said I was denied because I was current on my mortgage. Now, isn't that something??? Do what they TELL you to do and they turn you down. In basic round numbers, after I pay my mortgage I only have $17,000 a year to live on -- which is not possible after a car, utility payments, health insurance, gas and food. I asked her if their underwriters could send me specifics on WHY I was turned down, because obviously someone in the underwriting department can't use a calculator. She kept repeating that my loan wasn't in default - and I kept repeating that I did what they TOLD me to do. It WOULD have been in default if I hadn't had that unfortunate situation. So now here I am without the money to replace my lost items and also not able to get a modification loan. You can't get any information or help from them - and the "specialists" are nothing more than phone operators with a fancy title. It's pathetic. They are definately not out to help you. Don't try them first. Go to someone else. You're wasting your time with this company.

coolbreeze 10/24/11 2:49PM
I am currently trying to find assistance in filing suit against,Citi-Mortgage for their practices of transferring phone calls in each of their departments. I have tried customer service only to reach someone in, "India." I have spent months trying to clear up matters in regard to my mortgage. I have called collections and have been put on hold endlessly and transferred back to customer service in other countries. I have called department after department and have names and times of supervisors that, I was able to reach in the, U.S. but have never returned my calls as promised. I have been given employee names and badge numbers along with a promise to correct the problem. I have been dis-connected time and time again after holding the phone for up to and over one hour. I am trying to find councel that, I can afford in my area in hopes of resolving this matter once and for all.

Anonymous 10/20/11 12:10PM
CITM MORTGAGE CUSTOMER SERVICE TELEPHONE NUMBERS I HAVE WRITTEN DOWN IS NOW UP TO 10. IN TRYING TO GET ANY INFORMATION OR ANYTHING WITH ANY OF THE NUMBERS WILL TAKE YOU AT THE VERY LEAST 2 HRS. NO ONE WANTS TO HELP YOU. SO...YOU GIVE THEM YOUR LIFE HISTORY AND THEY STILL CONTINUE TO SAY: YOU HAVE THE WRONG DEPT. PLEASE HOLD I'LL CONNECT YOU.
I HAVE NOW CALLED 5 DIFFERENT NUMBERS THE CUSTOMER SERVICE REPS. HAVE GIVEN ME! THEY ALL ASK THE SAME THING, SAY THE SAME THING. WHY DON'T THEY JUST GET A RECORDING. A ROBOT COULD AND WOULD DO JUST AS GOOD. NO LUCK SO FAR IN GETTING ANY INFORMATION I NEED. I HAVE BEEN WAITING FOR TWO DAYS TO RECEIVE A FAX FROM THEM I WAS TOLD WOULD ONLY TAKE 20 MINUTES.

SVANN 10/19/11 10:24AM
I used my entire lunch hour yest. Tues. for a request to receive a fax. I spent 30 min. this morning. still have not received my fax. Any suggestions?
How many Customer Service Agents does Citimortgage have? I have been connected to men who cannot speak english. Ladies that will connect me right back to where I began?! It is trully the most frustrating, disorganized non-helpful, time consuming, irratating, useless, struggle of a maze I have ever experienced. Now...I am on hold...
Why???? Who knows? Can you help me?

sdv 10/19/11 8:35AM
CitiMortgage sold our house from Sheriff's sale during our trial period of loan modification. We made first payment, they sold our house and 2 weeks later accepted 2nd payment!!! We are trying to reinstate the loan.

none 10/17/11 3:13PM
I applied for a loan modification 2 years ago... they put me aon a trail program and said after five months that I didn't gualify because I didn"t make enough money...I went back to paying my regular payment and never missed a payment. The next month I got a letter saying that I owed them $16,000 but would not tell me why or how...This went on for months with me calling almost every day begging them to tell me why they were saying I owed them more money. The amount increaded every month by several thousand. Then in September they said they were going to foreclose on my house. I have had to get a lawyer and am still trying to save my home of 26 years.

Anonymous 10/15/11 2:28PM
Did fax Citimortgage on 09/7/2011 my Homeowners policy reinstatement dated 08/23/2011 with Florida Peninsula Insurance Co. and yet they keep sending me an ad to buy another insurance from American Insurance Capital Co. it only shows how their insurance dept employees making me buy another insurance ? They are not doing their job updating their consumers record. What if I am a person whose understanding is below average? poor fellow, this is way beyond norm (unacceptable).The letter I received is Oct. 24.2011 and so, there is gross negligence on Citimortgage Insurance dept. which could have seriously affected my situation especially on this Hurricane season.

Anonymous 10/15/11 11:04AM
Recently submitted all the papers documents with confirmation numbers of payment made to Citi every month since Jan.2011. They refused to honor the approval of all their appointed supervisors repr I talked to (who had waived late charge fees,acknowledging the error /mistakes of charging late fees cuz I have paid within the time frame to avoid late fees.Investigated my bank who supposedly pay them and they retorted that they Citi never presented payment and that available funds for Citi is available in my account and they also told me that they could have assessed a return check charge against my account if it was NSF but they have not done so, because the funds were there. This is affecting my credit and Citi is doing this on purpose and I have to do what I have to do if this serious matter of (me, and other's consumer) is not resolved .

Anonymous 10/15/11 10:36AM
I have tryed for some time now been on hold for over 1 and half hours of meany tries not happy yet you want to respnde when you have a problem please email me i would like info on refinan on my loan and up the amount for 15 or 20 year waltrupp@gmail .com or let me know a phone # that someone will answer

NONE 10/12/11 4:34PM
The Facts:

Between February and April of 2011, I refinanced my home loan with Aimloan.com. The amount of the loan is $140,000 at a fixed interest rate of 3.65%. My home was appraised at $850,000.

An issue of flood insurance was discussed. The requirement as stated in the contract is:

At minimum flood insurance purchased must cover the lowest of (1) the outstanding principle balance of the loan�

It was agreed that enough to cover $140,000 would be sufficient for my loan. In fact, I told them �if it was not adequate I would not take out the loan, because what is the point of refinancing if I have to pay more in the long run?� They agreed to the coverage of $140,000 was sufficient. The loan was funded and executed.

Without my knowledge or consent Aimloan sold my loan to Citi Mortgage. Now, Citi has changed the terms of the agreement. They have increased my flood insurance. The amount went from $140,000 to $250,000. I objected. Citi then took the payment for the extra insurance from my escrow account.
Aimloan had lied about the amount of insurance I needed in order to get the fees for refinancing. Aimloan understood if we did not agree to the amount of flood insurance I would not have refinanced and AIMloan would receive nothing.

I phoned Citi and spoke to Naranya. We discussed the insurance and I was told Citi has the same criteria for flood insurance as AIM. However she could not explain why Citi wanted to raise my limit. She them told me there is noting I can do. To make matters worse Cit will not let me cancel my escrow account even thought it was made clear at the time of contracting I would be able to if I choose.

I contacted AIMloan .com and spoke with Katherine McFarland, her contact information is below.

Katherine McFarland
619-814-8274
katherine@aimloan.com
Teresa Chapa| Client Service Consultant |Citibank, NA
469-220-0892, teresa.j.chapa@citi.com

She confirmed that Citi had the same flood insurance criteria as AIMloan. She could not understand why Citi wanted the increase. She also confirmed that I had the right to cancel my escrow at will.

Discussion:

Citi only does this to single woman

As I am sure you are aware if I do not pay the extra money, my credit will be ruined. They could even foreclose on my house It has gotten so bad Citi has increased my monthly payments.

It is my understanding of current law, contract terms can not be changed after the contract has been signed, unless both parties agree. If a contract is sold the buyer takes the contract �subject� to the terms of the contract as it was agreed to at the time the contract was signed. .as I tried to explain Citi has no right to buy my contract and them change the terms. They should have never bought my contract.

Conclusion
I would like to keep the terms of the contract as agreed between the parties when entered into.

I hate CITI 10/12/11 10:06AM
These guys offered to refinance my first mortgage in June, 2011. I have never missed a payment in 5 years and am up to date with my mortgage. They collected for the appraisal over the phone (big mistake on my part) After appraisal, the first mortgage is 81% of appraisal, but they insist on adding origination fees and adding them to the refinanced first because of a govt program that allows them to exceed the 80% loan to value and still make the loan

It takes weeks to receive answers to specific questions from Citi; sometimes I am TOTALLY IGNORED

FORGET ABOUT THESE GUYS!!!!!!!!!!!!!

Anonymous 10/11/11 8:53PM
City Bank Mortgage "paid" from my escrow account Tax Lien Assessment. I have NEVER had a Lein on my account; I checked all records to date. This is a Ghost charge. I have NEVER been able to get a living person. I HATE HATE HATE Citibank Mortgage. My Key bank Mortgage was sold to these Horrible Horrible people. I don't know what I can do! They are loathsome.
What can I do? Thanks, Ruth

Ruthlee 10/10/11 8:59PM
Currently waiting for a citi mortgage specialist to pickup the phone. I have called 1-877-675-1625 and have now been waiting for 1:37:34 (that is 1 hour and thirty seven minutes). No one has picked up. Judge yourself the quality of service.

Anonymous 10/10/11 3:21PM
I have been working with citimortage to save my home with a loan modification,but they have given me same high payment.This is my first home that i bought in 2009,due to my medical condition i lost my job in 09 and my husband was the only one working and dealing with everything.We fell behind in our payments and wanted to modify our loan so citimortage did but higher payment.My husband was overwhelmed with everything(dealing with my medical condition,bills,and 2 kids)he didn't want to lose our only home and accepted the high payment.We love our home my husband worked very hard if we can please get a lower payment(interest reduction,longer term)we would greatly appericate it.Please help us we have trustee sale date soon 10/20 and don't want to lose our home

shak 10/10/11 8:43AM
Citimortgage customer service stinks. I waited an hour and was transferred 3 times before to the 4th department. The line then went dead and I had to call that particular department back. Our loan was sold to this bank. I would never, never choose them.

ann 9/30/11 1:33PM
I have been working with Citi since August of 2010 on a loan modification. First let me say that I have been a banker and a lender for 15 years. Prior to my request I had fully knowledge of the options available to me on my mortgage. My former employer eliminated my position due to declining capital ratios which made my salary and my branch unaffordable. My salary went from $80K per year to $1400 per month in unemployment. Prior to this date I have never drawn unemployment nor been unemployed. I contacted my mortgage company and disclosed the funds I had in severance pay, retirement, and savings. At this time it was determined that due to the date of my no-cash out refinance (for a better interest rate) and the fact that I had cash on hand, I did not qualify for HAMP or any other modification program available. I continued to make my payments and was told that I may qualify for an in-house modification upon a one year seasoning of my mortgage. At this time I contacted Citi again (April 2011). I was told at this time that I did qualify for a Mod 27. I was very grateful and once again forwarded via email all of the requested documents. Within a few days I received a letter in the mail that indicated that I had been declined. One of the reasons the letter cited was that I was not 60 days past due. I was horrified and called Citi again. Each time I contacted the company I was required to speak to a difference person. Many times each call exceeded an hour. Several times the Loss Mitigation representative would show that I had not even applied for a modification period. It seemed to be sheer luck if I called and spoke with an individual that could access accurate information on my account. Finally I spoke with a person and literally begged for someone that could give me accurate information pertaining to my mortgage. I was lucky enough to get a mortgage specialist assigned to my account. They evaluated my finances and said that I unfortunately only qualified for a forbearance agreement. I explained that this type of agreement would lesson my ability to acquire work in my industry as my credit being destroyed would disqualify me for potentially any positions within a bank. This did not matter. I had no choice... they said they had no choice. This agreement is that my payment, once approved, would not advance my due date but upon receipt of the lessor agreed upon amount for 5 consecutive months that I would be converted to a permanent modification if my situation had not changed. I waited two weeks for approval to come in the mail. The representative had verbally approved me but stated that I would have to wait for my final approval to come in the mail. I received it on 8/16/2011. The letter was dated 8/9/2011. It told me that I was to sign the forbearance agreement immediately and mail back. It laid out my payments for 5 months with a balloon payment of all remaining past due amounts. I signed the document and noticed that there was not an address specifically mentioned to send it to. I emailed my specialist and he commented on how he couldn't believe that!! He verified what I told him and asked management where I should return my forbearance agreement to. He emailed me the correct address and I dropped the signed document in the mail the next morning. On 8/25/2011 I paid my first agreed upon payment. I called citi on 8/30 to verify that the payment was received and they said it was. Yesterday on 9/29 I attempted to make my second agreed upon payment (these payments were to be paid by the 1st day of the month or I would lose my agreement) I was informed by a citi employee that my agreement had been terminated. I was horrified. I asked her why. When said that my mortgage specialist had done it wrong, and that on the 18th of September my agreement was void. I told her that I had a contractual agreement with my mortgage company in the form of the document that they sent, I signed and returned and they accepted the first payment. I also told her I had not been notified. She said "Yes you have, I am notifying you now". I told her thank you and hung up the phone. I immediately called my mortgage specialist. He looked up my account and said it was strange that his department had not been notified. I asked him if what the lady was telling me was true. Had my signed agreement with Citi became null and void?? He said that the deal was rejected by the investor. I told him that Citi should have evaluated that prior to entering a signed agreement with me. He then said not to worry he would figure this entire out. We were scheduled to speak via phone today at 11:30 AM ET. He did not call. I have sent him an email hoping to get something straightened out. So after more than a year and the exhaustion of all of my savings retirement etc... I am still at risk of losing my home. Citi Mortgage has entered into a legal written binding contract with me for forbearance and has breached that contract. They know I am sure at a corporate level that a consumer which is seeking assistance with their mortgage is not in any financial position to retain an attorney to seek legal remedy. I am horrified that this activity is taking place. I know perfectly well that as banking professional... If I verbally committed to something... it was set in stone... If a document was signed... FORGET IT. It was in stone. I would like someone from the executive team of CitiMortgage to explain how this can be possible. I believe that I should contact a person with the media to release this story. I am an honest citizen. I have originated 1000's of loans working in the banking industry. I had perfect credit until this issue. And each time that I executed an agreement with a customer I was bound to uphold it...by my personal ethics...and by my banks management� and most certainly out of common decency.

Breach of Contract Victim 9/30/11 10:27AM
We are struggling to pay our mortgage after being laid off. We are 60 days behind and manage to make a payment at the end of each month. We have 6 children and after paying the mortgage we have little left over for gas, electric,groceries, etc. Because we fell behind, the illustrious folks at Citi decided to suspend our ability to make payments online. Now when we have scraped enough money together for a payment they charge us a $9.99 fee to pay over the phone. That equates to $120 per year in fees collected from people who can barely make ends meet at this time! If Citi really wants to keep people in their homes as per their website, then they should open up all avenues for payment! I have been in my home for 23 years and have never experienced a company that treats its customers so badly...how do they manage to get more customers?

fedupinmass 9/30/11 9:15AM
I have been trying to workout a loan modification for two years now, which is ridiculous. I have sent documents back and forth and for some reason or another my file all of a sudden gets closed. For example on one instance, I was needing another document. Nobody ever called me back or received a letter for what I was pending. These delays have proven to be major frustrations. It seems like they just want the client to give up. When I was given the time for the appt. when I would be called back I received the call before my appt.I was very upset. I could have made arrangements. While being on a loan modification can Citi still keep charging for late charges and deliquency expenses? How do they expect you to catch up......

FRUSTRATED 9/30/11 1:57AM
Citi Mortgage is the worst when dealing with ins draft issues after having a fire.i had a fire 5/22/11 received my first draft 8/24 the work is 60% finished and now i get nothing but it's switching from one department to the next.Now when i call all i get is somebody saying their reading the notes and someone will contact me 3to5 biz days citi is the worst but want their payments on time.

sick of citi 9/28/11 3:07PM
I have experienced many of problems others have experienced with CitiMortgage. It's disheartening to hear that things will probably get worse in dealing with CitiMortgage.

And, I have resented receiving calls from off shore reps who might speak English but they don't understand English.

visionfair 9/28/11 1:30PM
I have a short sale offer on a house where the mortgage is held by Citi. My offer was made 3 months ago. There are two other offers on the house. So what does Citi do? NOTHING! The first negotiator, fired. Second one, same. Now third, not doing anything. This is ridiculous! Citi, get off your butts and DO SOMETHING!

anonymous 9/27/11 6:40AM
nothing but a run around. Love to yes you to death but give you the wrong information and send you running around chasing your tale.

Gonzo 9/27/11 5:54AM
Why isn't our government looking into homeowners complaints? A customer service rep. told me "If you don't have the money, just don't pay, you will still be Ok with your loan." I paid the amount I was told to pay (a different amount every time I called.) My home was still taken away from me as customer service assured me that they were working on my paperwork the entire time! An employee workingd in the collection department provided me with all the names of the CEO, local and state rep and wrote a letter in my behalf. She was so upset with Citi treatment of their customers that she could not sleep at night! Everyone working there lies. You will lose your home. Their employees are underpaid and get in trouble if they try to help homeowners.

Liz 9/27/11 5:09AM
I have been attempting to refinance with Citibank for 6 months now. I have submitted the information requested in at least triplicate,because of their incompetence they seem to constantly loose my paperwork. I have been told that they will find me $100 a day if I don't close by a certain date, and every time I attempt to call them ( you can never get a live person on the phone) to tell them that THEY are the ones not giving me a closing date I cannot get anyone to talk to. I finally did get a closing date but was notified the night before that because my state was hit by hurricane Irene my house would have to be inspected for damage . I had no damage at all. I am again waiting for someone to contact me with another closing date. The whole experience with Citibank has been a Horror. Normally when refinancing you would received a good faith estimate of closing costs. I have received at least 6 good faith estimates all with different amounts needed for closing some saying I will pay PMI others saying I won't. I have never seen such incompetence . I wish I could get back my $450 application fee and go elseware, which I will do eventually I want all my accounts out of Citibank once and for all I made a BIG mistake refinancing with them

atlanticdare 9/26/11 8:16PM
My wife and I refinanced our loan from a 30 year fixed to a 15 year fixed 9 months ago. We are now below the 80% required for PMI to be removed. Citimortage tells us that no matter how much we pay down they will not remove the PMI unless we pay them to get our house apparised again even though we had to do it when we refinanced. We were told if we didn't pay for the aparisal we would have to keep paying it{PMI} until July of 2013. We have never been late on one payment in 6 years and until recently with refinancing we were just paying them intrest and hardly any going to principle. The goverment needs to regulate these companies better to protect it's citizens.

Anonymous 9/20/11 11:37AM
Like many people, I lost my job and have been working part-time at much lower salary. I called citimortgage about getting a refinance they told us that we must first get a refi on our first mortgage, we did then we went back to them they told us we were later and that our income had dropped, DUH, and had been late on the first. That caused our credit score to drop so they could not help us with a refi. I asked if we had a better score and higher income if they would reduce the rate they said of course. Are these people stupid! I would not recommend this company to anybody and if they call you ignore them as they are worst of the worst.
Paul in NH

Paul in NH 9/17/11 6:01AM
Sadly this company along with others has decided to cheat, lie, and steal with impunity. They know most people struggling cannot take on the banks and either give up or walk away ashamed and embarrassed that they could not do anything about keeping their homes. Not all have just failed due to over extending themselves. Over and over again the same set of circumstances are repeated. The Bank (mortgage co....) invites you to modify your loan then they direct you to fall behind on your payment, then they say the paperwork is not complete, then they foreclose. Cheat, Lie, then Steal

LOST 9/16/11 11:09AM
We have a personal loan through Citibank and our mortgage is also through Citimortgage...My husband called to request that our personal loan be deferred because we were evacuated from our home because of Hurricane Irene and Hurricane Lee...We are not able to live in our home and as a result we have been staying in a hotel and have not been able to pay our loan. After we requested help it has been impossible to speak to anyone that can help us..Your representatives have been rude and frustrating...every time we call we get a different story and even been told that Fema is not covering our area...which is not true...Fema has come through for us so that immediate repairs can be made to our home so that we can move back in. If I could change banks I would...Your representatives have caused us much stress, with all that we have been going through, your company has made things worse.

Brunirev 9/15/11 7:23PM
This is the worst mortgage company I have ever had to deal with. I am co-borrower with my ex-wife and am the one paying the mortgage but they will not put my name and social security number on the bill. I have been given the runaround and lied to so many times I have given up. The CEO is some Indian guy who probably worships cows and customer service is routed to India. If there was any way I could afford to refinance and get out of Citimortgage I would do it.

Anonymous 9/15/11 8:58AM
I have recently tried to refinance a home mortgage with Citi, and the 2 people who were supposedly "working" my loan were Kate and Courtney and then also the all elusive "underwriter." My husband and I were approached by Citi to refinance our existing home loan, and the interest rates were absolutely great, so we said "ok" and started the process. This was in June. The only "cash in hand" we had to have at closing was $450 dollars, and I was told this was due at closing; I had to provide a credit card in order to lock in the interest rate but was told it would not be charged until everything was finished. NOT TRUE. Come to find out, they charged my credit card before anything was final or approved. After MANY faxes of documents that no one should ever have any reason to ask for (such as divorce decrees from greater than 10 years ago), and several FedEx deliveries and then making unnecessary repairs to our home, I found out today through a customer service agent that our loan refinancing was denied. I have been trying since last week to get in touch with the 2 workers on my loan to find out the status of things and have managed to get no farther than the customer service agents. We have excellent credit, currently have our home financed with Citi (only until I can find someone else to do business with), have always paid our mortgage note on time, both have jobs with verifiable income, yet we were very shockingly denied the refinancing. We provided all requested documentation (more than once), and have received the rudest treatment from any organization that I have ever experienced. I was given the name of the manager (Cindy) with her direct phone number and have left her a message. Have not heard back from her either.

Anonymous 9/12/11 1:35PM
Last year my mom starting getting worse. She's been sick for 16 years now, and here, a year later is on her deathbed. We got a couple months behind because of unexpected medical expenses, try to get a loan modification after 2 months. We submitted the paperwork every couple of months since. Have offered to go ahead and pay the money they asked for so they have it while the paperwork was being completed. They refused. We fax in everything they want, then they say they'll be in touch. They never get in touch. We call and call and email. We sit on hold for hours getting transferred from one person to another, all saying something different. The person we are supposed to talk to is never in her office, and doesn't believe in returning phone calls or emails, also giving incorrect email addresses. Well Tuesday they bought our home at auction. This morning a guy working for them comes to our house to change the locks and threats my dad saying we have 3 days to get out or he'll have the sheriff forcibly remove us. Well I happen to know for a fact that even with a foreclosure we still have to be evicted. We have all the proof of faxes, emails, call logs showing all the contact and efforts we have made. We were only 2 months behind, and are now a year behind because they refused partial payment until the paperwork all went through, they agreed to half the amount and moving the rest to the end, and then purposely stalled it in order to foreclose. My mom won't live longer than a few more weeks. This is outragous. Don't use this company!

madintexas 9/9/11 2:23PM
Citi Mortgage did give us a loan modification, HOWEVER, our payment was NOT lowered at all, not one dollar! We got behind because I was laid off from a job after 11 years and my husband was laid off, has a job making less than half of his normal salary. We explained that we needed a lower payment, even if it's only for several years until we recover, until the job market recovers, they were not willing to lower it! We're getting behind AGAIN! It doesn't make sense why they give some people a lower interest rate and lower they're payments and not others! We've been in our house for 9 years.

Georgia 9/8/11 3:55PM
PROPERTY DAMAGE DEPARTMENT SUCKS. I had storm damage to my house. The insurance company endorsed the check to CitiMortgage (I had to sign the check and forward to Citi). CITI then doles out the money like it was coming from their own pockets and makes it HARD TO GET THE CASH FOR THE REPAIRS!. Every time I call I am in VOICE MAIL HECK for about 10 min, then speak to service rep, then back to musack etc. It takes about a half hour to reach someone to, oh, just find out "where we are" with me getting cash to make the repairs and pay the contractors.

George 9/7/11 7:55AM
To I'm frustrated too:

We understand what was in our mortgage.

Question 1: Is Citi even in the possession of the note?

Question 2: Why does Citi tell people that are current on their mortgage to not pay for 2 months? (so they can begin foreclosing?)

Question 3: Are Citi employees liable for lying to customers and the next employee just says, I'm sorry they gave you wrong information?

I do understand the frustrations of Citi trying to work with people that can no longer afford their home, or still could not afford it with a modification, but Citi is lumping everyone together and treating all alike, even though some are in foreclosure for doing every singly thing Citi told them to do.

CarrieM 9/6/11 3:50PM
We called Citi 7/2009 to discuss other options for escrow. We prepay a year, we pay taxes and insurance when do, etc. We were told it was a state law that we had to escrow. (untrue, but did not know at the time) My husband was going to be getting a pay cut so we were trying to be proactive, (we were and always have been at this point current on our mortgage) Citi told us that what we wanted was a loan modification and they would put us in that and that was the help we were looking for (sure, right) Of course, I had no idea what pandora�s box we had just opened. (no other options were ever presented or discussed with us. May of 2010 we were denied HAMP. BUT, we were told that was good news, we were actually back to Citi for a traditional modification. Again, no other options were mentioned or discussed with us. The next month we get a letter to call and make arrangements before foreclosure would start. Of course I called hysterical and was told as long as I was making monthly payments and in the modification process, Citi would not foreclose (haha). August 2010, Citi mysteriously loses my automatic monthly payment information, does not take my August payment and files foreclosure. We get served papers and file an answer. 2 weeks later we get offered a modification, my attorney calls their litigation department, and their local attorney (calls were not returned). Modification offer gets closed. (WHAT!) Another court date is scheduled for foreclosure. I finally got the contact in the ERU dept. Executive Response Unit at Citi and they rush and we get approved for another modification (But worse terms, only lowers interest .6% instead of 2% like previous offer (all income and bills were the same) we sign offer to get foreclosure case dismissed. After 4 months of on time payments with the modification, we get a letter from Freddie Mac that they do not approve of the modification because of our credit (What!) and a letter from Citi to call to workout arrangements instead of foreclose (short sale, etc)
So confused and no idea what is going to happen next. Just when you think everything is going to work out and you can breathe, it all comes crashing down again. Well, yes, after 2 years of lies, and the run around from Citi, our credit is ruined. (The only payment we did not make are when we called 7/2009 and they told us to make our 1st trial payment in 2 months, I even asked about the missing 2 months and was told they weren�t needed. Then August 2010 when they didn�t take our automatic payment. This is what they filed foreclosure on. (All while I was talking to them 2 � 3x every week!) After reviewing a ton of blogs and sites today, I will be writing my story and sending it to anyone that will listen, OCC, State representatives, Washington DC representatives, news stations, all blog attorneys in EVERY state, etc, etc!!

CarrieM 9/6/11 3:44PM
Three years ago my boyfriend (Of 11 years) and I split up, resulting in our home being put on the market. After only being shown maybe 4 times over the last three years, plus our septic failing, we finally got a serious offer maybe 6 months ago. We jumped through all of these hoops to try to work out a short sale; and in the end CitiMortgage was going to take approx. $25,000 loss on our property. They refused to take it!
In Massachusetts, you need to have a septic in order to get a mortgage; the young couple wanted to borrow additional money so they could pay for the septic upon the sale; but citimortgage wouldn't allow that. They wanted that additional money.

Absolutely disgusted! And on top of that, my ex boyfriend (who has lived there all along) hasn't made a payment on it since I made the last one in June, 2010.

I called our negotiator, my realtor called the negotiator...and nothing. The last time I called citimortgage to find out when it was going to foreclosure considering they weren't willing to work with us, they said that the process hadn't even been started yet.

At the end of the phone call I told them I hope they get $20,000 for the house at auction. Shame on the mortgage companies for not trying to get the most possible, and working with homeowners.

Not only that, but I would perhaps try some of the homeowners assistance programs and possibly keep the house: but you need all the information and paperwork for both homeowners and I'm sorry...but my exes finances aren't my business, nor are mine his.

totally disgusted with CitiMortgage!

maemti 9/6/11 11:15AM
I was laid off in June 2011. My husband is still employed but we are struggling to make our mortgage payment every month. We have not yet defaulted. I looked into every option available to us and called Citi about HAMP. We completed all the paperwork and sent in paystubs only to find out that because we are not 90 days past due on our mortgage nothing can be done. I called Cust. Svc and explained we don't want to be behind and are doing everything we can to stay current. Even borrowing from 401K money. She said theres nothing they can do. We can apply again but the rules are unless we are 90 days delinquint there is nothing that can be done.
Now I have done further research and the US gov't site says the eligiblity rules are we had a financial hardship and are either delinquent or in danger of failing behind.
Well we are in danger but CITI doesn't care. They would rather us fall behind and have another house on their hands. Really you try to do something right and where does it get you. I might as well fall behind!

rodrigsu 9/6/11 11:04AM
Basically, Citimortgage has yet to decrease our rate from 7.8%!!!, to the rates that are being offered today. We are asking for fairness, not greediness. We are barely putting food on our table! We have acquired tremendous medicall bills over the last few years, but apparently citi does not take this into consideration, even though one of the first questions that are asked is, "what is your financial hardship". We have been trying for years to get our mortgage modified fairly, but to no avail. We have an under water mortgage and are paying $5,400.00 a month on a modest home that is worth no more than $425,000!! Citibank has no interest in helping us~ they are greedy and do not play fair. I hold them personally responsible for the incredible stress and discord they have and continually put upon my family. It is my hope that citimortgage will stop feeding their deep pockets with the money thay my family needs to survive. My husband and I are both college educated professionals with good jobs. Unfortunately, our good salaries are not enough to support a mortgage that is unfair and greedy. We have been upstanding customers of yours' for years, but now that we need you, you are gone. 7.8%!!!!!

please help us 9/6/11 7:53AM
The steps that I need to take to get my insurance check released after strom damage are numerous and complex. I have to get my busy contractor to stop out and sign Citi mortgage documents before they will even release the first half of the money. I don't understand if the checks issued by Citimortgage will be made out to me or to the contractor.

I spent 45 minute on the phone waiting on hold and beingtransferred to 5 different phne numbers before I even found the insurance claims dept. They do not have the number listed on their Citimortgage website. Then it took them 10 days get the claims pkg to me.

I am not looking forward to dealing with them for the duration it takes to get the papers papers approved, the first check sent out, the final papers approved, the inspection done and the final check dispursed.

Anonymous 9/5/11 1:14PM
I am on hold for the 4th time this week, now going on 45 minutes, to find out about the $475 loan modification program I qualify for based on their personal message on my login page. It tells me to call the number...then I sit and wait :( I called their other customer service number and the rep knew nothing of this offer. I sumbitted a request online for more information via email and all I got was a different phone number (with the rep who knew nothing). Is this $475 loan modification offer for excellent customers bogus? Please help!!!

smurf 9/1/11 2:16PM
I tried three times to contact a service rep. Each time I was cut off. When I did make contact - initial reps have no authority so I was referred to a supervisor. I have yet to actually talk with a supervisor because they are either unavailable or following a short message telling me they are too busy and cut me off. The only suggestions Citimortgage has to assist customers actually is designed to generate more money for them. Overall, they lack the personal touch and creativity.

Sue 9/1/11 8:59AM
Horrible in every aspect. I pay extra every month and it doesn't get applied to my principal. The amount on the computer shown as 'unapplied payment' is about 2x what the Citi rep says it is. Now am going through a insurance nightmare after a bad hailstorm. If anyone hears of a class action I'd like to know....am tired of getting screwed over by this company.

teehaha 8/30/11 12:52PM
WAS ON HOLD TO SPEAK TO A MORTGAGE "SPECIALIST" FOR OVER 1 HOUR, 20 MINUTES! WHAT A FOOL I WAS TO ACTUALLY WAIT THAT LONG! ABSOLUTELY UNACCEPTABLE. WILL NEVER CONTACT THEM AGAIN FOR ANYTHING.

Anonymous 8/30/11 10:15AM

Official company reply

I'm sorry you were on hold for so long, obviously, that's a really long time, and not acceptable. If you send me a note, I will have a representative from CitiMortgage call you to answer your questions.

Regards,

Mike Cardace, Citi
michael.cardace@citi.com
customer.help@citi.com
MikeCardace 8/31/11 2:59PM
not only has Citimortgage not properly given us credit for the interest we paid on our mortgage, they also have not given us credit for making principal payments. I discovered this today, and was given some lame advice to give them my bank statements as proof. I know they have the records, and I refuse to do the work for them, I will be making a complain with the IRS.
Not only this, they have charged me late fees and misapplied my payments

Brina 8/29/11 6:38PM

Official company reply

Brina, please get in touch with me and I will connect you with someone who can work with you.

Regards,

Mike Cardace, Citi
michael.caradce@citi.com
customer.help@citi.com
MikeCardace 8/31/11 3:02PM
Citi Mortgage wants to foreclose on my home instead of short sale. It must bw because you are getting reimbursed from the government or because you cannot produce the note and foreclosure is the only way to guarantee the house is theirs. If they foreclose on 8/25/11 be prepared for me to challenge the validity of the foreclosure.

I would rather you complete the short sale.

Anonymous 8/25/11 10:40AM

Official company reply

I realize I'm a few days too late here based on the 8/25 date. What is the current status? Please send me an email, and I'll try to help if possible.

Mike Cardace
michael.cardace@citi.com
customer.help@citi.com
MikeCardace 8/31/11 3:04PM
Citi is the WORST bank to deal with if you have storm damage to your home. First they demand a lot of paper. Then they take the insurance payment and hold on to most of. This forces you to pay out of your pocket for the repairs. After the repairs they insist on inspecting and of course keep hold of the funds that belong to you.

Anonymous 8/18/11 10:52AM
you have the worst website to inable your customer to make a mortgage payment online by check

Anonymous 8/16/11 9:16PM

Official company reply

Thanks for this feedback. I will make sure that it gets to my colleagues who manage online payments.

Regards,

Mike Cardace
michael.cardace@citi.com
MikeCardace 8/31/11 3:05PM
Citi really screwed me over, they are not there to help at all...I modified, I called every month to have my payment taken out, so I wouldnt be in default, one time they hung the phone up on me twice, finally the thrid time I begged the guy not to hang up...Just so I could make a payment..I have been in my home 30 years...I didnt know after 3 months you wre no longer under the modification program...My step monther had passed so I was dealing with my 84 year old father, and I guess really didnt pay attention to my own mail,but still made my 1500.00 month payments for one year, they put me in forecloser, I got print outs from my bank saying I had made my payments, but what they did was up my payments to 2500.00 so all that money I payed went no where, but to Citi, they refinaced my home with the same interest rate...and then put 22.000 on the end of my loan...Where did that 15,000 go?
And ruined my credit so now no one will financed me with the low rate thats out there..Not fair, they are not going to help, and they have alot of foreclosers in my area..

Donna 8/16/11 8:30PM

Official company reply

Hi Donna, if you send me an email I will connect you with someone who will try to help you. And, of course, I'm very sorry to hear about your family's loss.

Regards,

Mike Cardace, Citi
michael.cardace@citi.com
customer.help@citi.com
MikeCardace 8/31/11 3:09PM
August 14,2011

Dear Freddie Mac:

I really hope that you will read and hear what is now almost a 2 year dance with

Citi Mortgage and that this dance is almost over. I will not allow this. It really

made me sick to my stomach when I found out that they never even submitted

all of that HAMP PTT last year. Making Homes Affordable data base only has a 1 min conversation with me October 06, 2010. I was still in active Bankruptcy.

Would you please have someone contact me that can be a representative as I have over 600 day to day entries of all conversations (all of which I have logged )with customer service operator ID #'s, and have on flash drives over 10 large 3 ring notebooks with hard copy documents. And the "Lender's Disclosure "which was the first time I saw in their writing of accepting funds and not applying them and a few other accounting

error's. My first view 3 days before mediation. I had sent two copies of completed information requested for the MHA applications.
It does not matter that Lenders disclosure is tampered with, the attorney said I was still missing paperwork. Easy way for Cit, they make the rules to break the rules legally. Have a mediator document no agreement was made.

? This is a rough draft reminding me to add more information later when I can sit for a bit longer. This letter will be totally completed by 5pm tomorrow to be mailed out hard copied to resources that I think would be interested, and legally have my back. This is so wrong. I hope you can help me, and I have a much more detailed daytimer full of information that shows the pattern. Which unfortunate for me, my gut instinct
was totally correct on Citi's unethical behavior.
Thank you
Lydia Kregas

Citi chooses not to communicate and has not since December of 2010. Blows me off via phone, and does not respond to my written requests. I had to write since in between the hospital no Internet access, phones, etc. at that time. Now today I am back online, (my daughter upgraded to a Mac and gave me her computer this weekend. I have a new phone number and a phone not the Magic Jack. I have always had a mailbox. I request all communications to be followed up with a hard copy signed letter in the mail. Through my difficulty with this hip, I have managed to always get the hard copies signed documents to Citi. I am one injured lady that was reduced financially to nothing, and physically disabled,(for now) rearranging my life now that I have an SSI Disability, and am a survivor that will be employed again. I will be renting out a room and do whatever it takes to get back up on my feet again. (excuse the pun, I cannot sit)

I have worked hard my whole life. I had a life, the phones, cars, Internet, cable,health, a daughter 1 year
shy of her PHd, I was a single mom, was a coach for over 20 years and in 1 second my life changed. I was a marketing and promotion manager for a chain of fitness centers and handled sales, telemarketing etc. I understand the business side of profit. I do not understand the abusive side in getting it.

Please note my email address

lkregas@gmail.com
Citi Mortgage Inc. 1-800-248-4638
Loan #

Servicers being held accountable? With their accounting for their actions?
Making Homes Affordable 1-888-995-4073

FREDDIE MAC
FOR SERVICERS THE (NON GSE HANDBOOK)
MHA COMPLIANCE RULES, CODE OF ETHICS, AND BUSINESS PRACTICES IN

PLACE THAT MONITOR SERVICERS -IE:

Servicers must maintain complete service records for MHA seven years and show them on demand Program Documentation requirements per SERIVCERS PARTICIPATION AGREEMENT
PROGRAM COMPLIANCE REGULATED BY A COMPLIANCE AGENT RESPECTFULLY:
FANNIE MAE SERVES AS THE PROGRAM ADMINISTRATOR
FREDDIE MAC SERVES AS THE COMPLIANCE AGENT AS DESIGNATED PER THE DEPARTMENT OF TREASURY. EACH REPRESENTING AS A FINANCIAL AGENT OF THE UNITED STATES.

HAMP_____________________________________________________________________________________

_____________________________________________________________
? Special Loan Servicing on or after September 24, 2010 would I qualify?

my credit record._____________________________________

HAFA_______________________________________
_________________________________________________________________
TREASURY FHA-

HAMP_____________________________________________________________________________________

_______________________________________________
FHA2LP______________________________________

CITI'S TOTAL LACK OF COMMUNICATION AND WRITTEN DOCUMENTATION

CONCERNS:
Active in Chapter 7 documentation_______________________________________________________________________________________________________________________

Tampering Funds:
with accounting, false record keeping, changing EFT/checks and posting payments, receiving payments and not applying them, paying the homeowners insurance to the wrong company leaving me uninsured during the worst hurricane and storm, again they lied.
Trial Period Payments that I made on or before due date with certified return receipts were posted with purpose on Citi's BS look alike HAMP program applications with a few tweeks here and there to make sure I did not
qualify for either program.____I call it mis appropriation of funds.

Fraud:
Lies to the consumer is not Fair Lending
Not being held accountable for truth and accuracy, little lies differnt areas

documented default for profit.
both with the applications designed with intent and stating lies on money's

received, their phony Mortgage Outreach Services "HUD"
3rd party pre trial payment period

underwriter_____________________________________________________________________________
I was in good standing current. They lie with out a thought straight to my face

on the phone.
Deferred_______________________________________________________Contracts of verbal

Forbearance hard copy was a Repayment Plan. Bait and switch.

Discrimination:
Citi using my disability and bankruptcy, accident again knowing how to document my downfalls into a profit scheme.I have requested on the phone , in writing, certified requests for documents for year to date for food stamps, contract and letters stating that documents on my end were received, denial letters, acceptance letters, anything in writing no way. I have documented detailed day to day phone conversations with operator ID's, names, dates, supervisors, what was said____________________________________________________________________________________________________________________________________________________________________________

Never getting the same person, just the same run around and sometimes the next operator argues with me since I did have detailed documentation of who said what and etc Citi Mortgage never was about to offer any effective service to reach the goal of customer service and fulfill initial goal of MHA loan.
Citi Mortgage created legal documents and applications to serve their purpose of a paper trail that would satisfy HUD, Federal Trade Commission, Banking Regulations etc. Servicing their own purposes to delay, extend, asking for the same information in a different text for the applications and repeated affidavits.

Predatory Lending:
with training. Making it morally wrong and socially acceptable while pushing one to the ground. Knowing that they would be financially in no position to survive the set up. Never offering any other services or alternatives. As they knowingly push a client into a loss mitigation scenario, gathering personal and painful information that was used to take and turn into a profit. Kicking people when they are down facing immense financial difficulty is hard enough explaining to and applying with one person for help. Never getting the same person repeating my story over and over again. Customer service reps not having any information on the screen about me..

I was pro active. Forbearance contract wrong all of them. I was pro active, I gave them detailed information, accident, my Bankruptcy process. Verbally being told I pre qualified for things. Verbally being told I disqualified for things. Honest with my situation and being jacked around.on purpose, taking advantage of my unfortunate on going health situation, me on medication. Just trying to save my home. Lenders disclosure sent is incorrect, they hired attorneys last November to start this Foreclosure when I was working out the Forbearance Plan.General decline in economic conditions coupled with the accident that required a total hip replacement. I was looking forward to the recovery time expected not to have place inside of me what we now know as the defective parts. Which has caused me loss of job, loss of physical abilities due to the fact I have now experienced my 8th dislocation of the hip which has been debilitating to say the least. Physically, mentally and financially. It can and does go out when I least expect it to and each time requires a trip to the hospital (911 has a key to my door). I have no insurance and have them bring me back home where I am left in my bed, major pain and pain medications are required for week one. A full leg brace from the hip down and doctor's orders 3 months. I cannot sit as it is too painful, and have the options of being horizontal, or standing. I still cannot go up and down stairs, anything requiring bending over, pulling shorts on, forget it. Forgive principal?
Lenders Disclosure (requesting in writing again) Aug 15, 2011 . Citi Mortgage has not made themselves available, there is no set person to contact. How am I suppose to save my home with a Lender stealing it away
legally on paper it is a crime.

Lydia W Kregas
386-279-8315

Ms. Sunny 8/15/11 11:59PM

Official company reply

Hello, Ms Kregas. I read everything that you wrote, and I'm sorry for all of your troubles. I'd like to try to help you. I saw your email address/phone#, so I will try to get in touch.

Mike Cardace, Citi
michael.caradce@citi.com
customer.help@citi.com
MikeCardace 8/31/11 3:14PM
Citimortgage has made my short sale process very difficult. The process of submitting paperwork for a short sale and the procedures has been confusing for months. I have spoken to several different Citi reps that have given me different information. After 3 months of not paying my mortgage and thinking I could submit the required documents to start the process I was told, 3 months later, they (Citi) don't need the required documents until I get an offer. I spent weeks gathering bank statements, tax returns, the house listing, etc. only to be told they don't need them. No one from Citi explained that to me in the beginning of this process. I am very displeased with the reps from Citi mortgage. I was also told my short sale case was closed after 30 days, while gathering the documents. The home is now in default and will probably be foreclosed due to Citimortage.

unhappy professional 8/9/11 11:57AM

Official company reply

Please get in touch with me and I will see what I can do to help you understand what options might be available to you.

Regards,

Mike Cardace, Citi
michael.cardace@citi.com
customer.help@citi.com
MikeCardace 8/31/11 3:22PM
I'm in my second home, until now I have never been late, not even one month, until when i refinanced through the VA streamline, i ended up with the worst company....

I'm a disabled veteran and called to see if i was able to defer a payment to the end of the note, so missing a month payment would allow me to see my father in a different state who was in the hospital with heart issues. I was told by a supervisor with citimortgage, "no problem". Due to having to wait till the first for that is when i get my funds, i go to my bank and i find that citimortgage took my payment. confused i called citimortgage to find out what happened, thinking they may of changed their mind, however, wishing they would of called and informed me of such change. When i called i was told "sorry, we see you were deferred and was mistakenly drafted, we will refund the payment back to your account within 48 yours", ... two days later, the funds were back in my account. after being gone for three weeks, i come back home and on the first of the next month i call and make my regular payment...now second month I'm back i call and make my payment I'm told i have two months due. I questioned why do i owe two months, I'm told that the supervisor was not authorized to allow me to have the deferment due to i have a VA home loan, only conventional loans are able to be deferred. So Citimortgage makes the mistake and now they want me, on a fixed income due to me being a 100% disabled unable to work and therefore on a fixed income, who was authorized by a supervisor who works for citimortgage on the deferment is being told i have to deal with their mistake. So it has been over a year, trying every means i know, being transferred to different countries, departments, etc, and though they say they understand, but no one will correct the problem. So here i sit unable to refinance to get away from this horrible company, through the VA streamline, due to doing a VA streamline you cant be late on your current mortgage loan. Now i have all these service fees, late fees and any other fees citimortgage wants to assess me and they don't care about their customers.

and it doesn't end there.... this month i just found out they, citimortgage, paid a home insurance out of my escrow and have increased my monthly payments to recoup such bill. when i questioned them, after being transferred to different departments and different countries, i asked them why did you pay 2 companies for my home ins. through my escrow when the only one i have is (stated company name), they informed me that when they get a request for insurance payment they just pay it. Idiots! then I find out this was done "1"!!! (one!!!) year ago, and they are now increasing my mortgage monthly payments. they then tell me i have to contact the company whom they paid and request the funds back and they gave me their company name and phone number... I called the number and the phone number IS DISCONNECTED. I go online and i googled the company, "Imperial Fire and Casualty Ins.) and located a 800 number. after calling them, and speaking to them on the issue, i find out after they looked in their data base that holds accounts "NEW AND OLD" BACK TO 2008.... THEY SHOW I WAS NEVER WITH THEM! so citimortgae is charging me a fee for them getting ripped off and in return are ripping me off. DO NOT FINANCE WITH CITIMORTGAGE...

i also have found out there are other similar cases that occurred like mine.

never_citimortgage 8/5/11 8:19PM
CitiMortgage has been playing games with me for 8 months now. I lost my previous job, was unable to make a few payments and rightly so, CM got a bit inquisitive. I tried selling it (Southern CA)- no offers. Tried to rent through a realtor- no offers. In May, I advertised on my own, got a renter that more than covers the mortgage payment AND I now have an income. Throughout this entire process, I have been passed from one person to another, all with different advice from the company. I was told in June that my home is going to the foreclosure auction block on July 27 and vulture land investors started knocking on my door (the renter's door). Finally, the only solution for me was to hire a real estate attorney that specializes in blocking these fools from mortgage companies. Not only has she blocked the foreclosure but she has CM calling ME to try to solve. Of course, I talk to no one, I let my attorney do my talking. I suggest doing the same if you are as flabbergasted as I was. There's lots more to work out and I am far from a solution, but at least I still have my home. I honestly do NOT know how these CitiMortgage people are able to sleep at night. I wouldn't. Scammers, all of them and they are in it together.

gdog 8/5/11 2:06AM
due to Citibanks inability to return phone calls or emails, i was unable to refinance. Then they realized they had done me wrong and asked me to refinance again and they would waive the fees.

With the initial refi, my mortgage rep was promoted and I got a new rep. He knew nothing and told me I did not qualify. I went to my local branch and they said I did qualify. The branch rep did a lot of the leg work and got me back on track. But then they went back to their old ways of not returning calls.

Months later, I received call from Citibank explaining they had done me wrong.

I went through the process, again, and they were equally unreachable. Finally, after months of being tortured by their inability to communicate they denied my refi because I make less money this year than last.

What really angers me is that I could have gotten the refi had Citibank just followed throug with their initial committments. Again, when I did make enough money, they would not return my calls or emails. Finally after months of being ignored, they simply sent me a letter saying the application deadline had passed!

I am also upset because I cannot afford their refi even though it would be $300 less per month had it gone through.

So my question is.. How can I stay current on a mortgage that is $300 more but I do not qualify for a mortgage that is less?

Anonymous 7/30/11 11:19AM
I'm simply trying to cancel an escrow account which has been an absolute BEATING! I do everything they ask but yet move at the pace of Congress. When I call to get updates they are Rude, don't listen and one time was even transfered to another department just to get me off the phone. I don't understand why companies or people try to make the simplist of things so difficult.

Oilers2TitansFan 7/25/11 8:43AM
Citimortgage for the second time has withdrawn unauthorized funds from my account. They do this right before the weekend on Friday so that you cannot do anything about it until Monday. Because they have taken all of my money again, I have absolutely no money until they return it to me, if they even do.

Deadhorse 7/23/11 7:06PM
This was the worst refi. I have ever been a part of. I should have know by the misinformation and high pressure sales that this would not end well. The loan officer didn't answer my questions, she was rude and didn't work to try and resolve any of our issues. The most unprofessional experience I have ever had.

Ava 7/22/11 7:01PM
Applied for a re-fi w/Citi about four weeks ago; current home loan is w/Citi. After securing a lock for a 15-year loan over the phone, I completed application form and supplied TEN supporting documents (rather than the six or so required in the app form). I supplied all ten on advice of the loan officer. I sent all docs via FC mail so that they would arrive together. Surprise, surprise: Underwriting at Citi "misplaced" about three of the ten docs, even I had sent EVERYTHING together. Complained to loan officer, who promised she would personally collect and route documents received via fax. Didn't hear back; same day, though, Citi issues a letter listing 24 conditions on my loan app. I call - loan officer out of the office, voicemail full. Next day, receive an email from a Citibank "credit specialist" telling me to supply three of the very same docs that I had sent (and then faxed)! Called her - no answer; e-mailed her - no answer. Called 800 number at Citi this morning, only to be told that the docs must have been "misplaced." A call center manager promised to "reach out" to loan officer and underwriting staff and to get back to me. Have I heard a word? Nope. CitiBank is deceptive, incompetent, dishonest, and despicable.

johns 7/19/11 5:42PM
It is stunning how incredibly incompetent the refinancing process it at Citimortgage. I have been a Citi customer since they purchased my mortgage in 2004. I have not had any dealings with them other than paying my mortgage every month on a TIMELY basis plus add'l cash to drop the principal so I have been an excellent customer with excellent credit. I rec'd multiple solicitations from Citi to refinance my mortgage at a lower rate. Since I applied, I have dealt with a level of incompetence that I did not think was possible. The mortgage loan consultant is clearly American, but she is def the dumbest person I have ever encountered in my entire life. She is the equivalent of Rain Man. No matter what question you ask this fool, she says "Wopner". She asks for the same information over and over again. The latest request involves the previous owner of my home who has been DEAD FOR 8 YEARS!! Citi wanted me to contact him to verify that he did not use my home as a business. I told this idiotic mortgage consultant that unless Citi has the ability to conduct a seance it will be virtually impossible to get this information from the previous unit owner. Of course, my mortgage consultant continued to insist on verification, "Wopner". Finally, I had to write a letter that I was not the previous owner!! I am simply speechless at how stupid this entire process has been since the beginning. Of course, now that has been resolved, they have created a new issue - a fraud alert - that I did not authorize. Even though I have repeatedly told these fools that I did NOT authorize any fraud alert. They want me to contact each bureau to get a fraud alert removed that I have been told by the bureaus does NOT exist because the customer requesting it MUST PAY FOR IT. Since I have never paid for it, it cannot possibly exist. I have managed to pass multiple credit screenings and obtain a new credit card during this time WITHOUT ANY REFERENCE TO A FRAUD ALERT. I asked these fools if I could give them a letter stating that the fraud alert was not authorized. They have told me NO. They said it must come from the credit bureaus. I am pretty much at the end of my rope. I am stunned by the stupidity. The fact these fools rec'd a bailout really pisses me off because they certainly did not deserve it. If Citi presents you with the opportunity to refinance, PLEASE DO NOT ACCEPT IT!!! You will be aggravated to the point of violence and ulcers. I am ready to pull my business from them completely and hope to be able to find another bank to refinance my home. I am also going to file a complaint with the Dept of Banking because something must be done about this foolish and EXPENSIVE process. I have given them fees for applications, etc. that will not be returned so I am out-of-pocket these costs. I think the refinancing is a game that Citi plays in order to frustrate consumers. Citi gets to keep the fees so clearly it is raising revenue thru this cumbersome, frustrating and incredibly ridiculous process.

mercyf 7/13/11 12:33PM
Citibank is the rudest people I have ever dealt with, no compassion, and do not speak good English. I am divorced and legally by court order not responsible for the payments. My ex is SOLELY responsible. They are posting his late payments on my credit report, ruining my just re-built credit score. I have a motion for a receiver to sell the home and pleaded with them not to post on my credit or even post a note on the judgement. I would like to help them get their money for the house, but they won't even work with me and by ruining my credit as well it won't help the situation if I can't even now re-finance my own house for something I was not in control of.
way to go Citimortgage, you just screwed yourself!

Mccarty442 7/9/11 4:12PM
I was approved for a permanent loan mod in May. This was after an intial denial due to fact that my wife and I had insufficient incomes. Well, she found work and I resubmitted the paperwork and we were approved in less than 2 weeks.

My advice is to be very persistence and reach out to the Home Preservation Team @ 1-866-915-9417 option 4. They are very helpful and way more knowledgeable.

I also did some googling and found some citi employees pretty high up and complained to them and they directed me to someone that could help me and they did.

I was very, very, very persistent and did not accept the first answer I got.....EVER.

I did a lot of praying along the way as well which I know helped most.

Don't give up!

sooner90 7/8/11 8:36PM
This company is the worst I've EVER dealt with, the people working here are IDIOTS, and can barely speak any English. They continue to apply any extra money I've made with my monthly mortgage payment, as a 'late fee' how would I be late for a payment that isn't due yet? I don't know how this company stays in business. The only reason I wound up with this 'pain' is because the company who originally financed my loan, sold it to this ridiculous wanna be company. I hope with the millions they are making in erroneous fees, they can get some employees who speak English and get a corporate office in the US who has some common sense, instead of these people who are in BFE who can't even speak the language needed to correct the issue.

NOGOC 6/30/11 1:26PM
I have been trying to get my home loan modified by Citi Mortgage for over a year. Their own agent advised me to stop making payments or they would not help me. I have been told three times that I was prequalified for a modification. My home was upside down with a second mortgage. When I was told in December by Citi Mortgage I had been approved for modification, I negotiated with the 2nd bank (Wells Fargo)a settlement, which ate up all of my savings...then Citimortgage denied my modification and wants me to come up with $14,000 and reinstate a bad loan that will go from 6 to 8.5% in three years. I feel this company agents are dishonest and unethical. I am now told that my home will be foreclosed in October. This bank never intended to help people; I feel they are out to steal my home. The government should shut them down and take over their assets and loans. I have learned that Citimortgage is affiliated with Aurora Loans...both of these institutions are corrupt.

jrIdaho 6/19/11 2:33AM
I've been a customer for 8 years, asked for a refinance interest rate, 5.175% plus points.I'm paying 5.347% what kind of help is that?????. The CITIMORTGAGE mortgage consultat, seemed dis-interested when I told him I already had an appraisal. One day all of you mortgage companies will be asking us for business.Now if I stop paying you, maybe I'llbe a "better customer", worthy of your assistances. This is not the first time, I called CITIMORTGAGE over the years for assistance. Or change my payment date to CITIMORTGAGE when I recieve my income, your not even considerate to doing
THAT!!!!!!

Anonymous 6/15/11 9:05AM
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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!

Peach State2011 6/7/11 8:33PM
WOW! The only thing I'm asking for is "lean of release" because we paid off our house. I can't even get that! I've always been able to pay, have an excellent credit rating, etc. I keep getting operators from INDIA and clearly there are big language barriers. Corporate office just directs me to the 1 800 number that reaches INDIA. GO America! Next time I take out a mortgage, I will try to call customer service as an existing customer to see what I am going to get ahead of time....and it won't be citi!

marie 6/2/11 6:15AM
Citimortgage is a company who only cares about the dollar. Tried for over an year to get a modification and all they were interested in was how to get the money I was behind, and the first time I applied I was not behind. Was told by one of their employees that I had to be behind to even qualify to get them to look at my modification. They will not work with you and you get the run-around (and a differnent story from each one you talk to). Would never deal with them on anything again.

Anonymous 5/20/11 7:26AM
We were seeking assistance with Citimortgage.

I was injured at work in August 2010 and have been on workman�s compensation since. We contacted Citi asking for assistance and were contacted by a third party (Mediation Services) for mitigation assistance. We were caught up in a "loss mitigation" scam with this company based out of Gilbert, Arizona which we have filed complaints with the BBB, Attorney Generals Office, the FCC and FHA/HUD.

Once we found out the company was a fraud we contacted citi, which is when we found out the house had been foreclosed on and we had no options. We have been trying to save our home wanting to pay our past due payments, However, Missouri is a non-redemption state which does not allow homeowners to work with their mortgage company to get their house back after it is sold. We have to be out of our home June 20, 2011.

We have the means now to pay our past due payments and save our home. Yet, the citi and their attorney continue to lead us in circles, they tell us to contact the other and give us false information and false hope that we can keep our home, yet no one seems willing to help!

Homeless in MO 5/17/11 12:50PM
PLEASE DON'T FALL FOR LOAN MODIFICATION TRICK citi will first lose all paper work submitted,then you are in the program then not in the end you will owe all plus a fee for being in a non existant program, they will tell you they will take payments, two months later demand all money or foreclose

b een there 5/17/11 6:47AM
I wholeheartedly agree with every statement made on this page. I haven't cried over this yet but am about to. These people don't have a clue. I know more about customer service than they do, and am getting an education in banking just dealing with them.

kt 5/16/11 4:03PM
I was approved for the HAMP modification November 2009 after 5 months in trial payments. After 1 year called about the 1000 incentive that was to be applied to my principle. It is now May 2011 and nothing. First they told me they had to make sure all payments were on time, next they told me I didn't have a HAMP, I actually had to read them the contract they sent me and forwarded back. Last time I was able to reach someone they said it might take another 6 months. Something is going on. I am sure they received there incentive for putting me into HAMP. The attorney general should look into this.

Ingvald 5/11/11 8:37PM
I can't understand why a mortgage company that the goverment has helped stay afloat has been givin so much power to rip families out of thier homes! I have been in a loan motification program for 2 years! They are the worst loan company I have ever seen in my life! They will get my home because of the power they have and the lack of knowledge I and so many home owners like myself have to fight with! If you have a loan with them get a different bank. If your dealing with them in anyway I will say a prayer for you! Your going to need it!

More than pissed off customer!

Anonymous 5/5/11 7:32AM
They are rude, after canceling a modification a year ago we got a notice we where declined for not getting the paper work in. Dah. We had a lady call today after talking to them the day before and explained the day before when we would pay and she said that I did not care about my credit or I would be making my payment today. I said that I couldn't do anything about it and she said so you don't care you want to say that on a recorded line. Really...I have cancer. If I could cram this house up their ass I would.

slcauthen 5/1/11 10:16PM
This is my second posting. Sadly, the stories remain the same. We did lose our house, it foreclosed in January. We built this house, we put our savings into this house, it was our home, it was what we would leave to our 3 children. We lived there nearly 10 years. Everything was fine until we entered the "loan modification" scam. We NEVER missed a house payment, we just thought we could reduce the payments. They stole our home in the end and there isn't anything anyone can say or do about it. It's gone. We were scammed. It is mind blowing to me that this can and does occur right here in the USA and the goverment has not stepped in to investigate CITIMORTGAGE. This is nothing short of criminal activity of which any regular citizen would surely be prosecuted for!! I pray for justice for all of us, these stories are heartbreaking and this has to stop. It just isn't right.

misery in Missouri 4/25/11 7:11AM
I wanted to share with everyone my experience with Citimortgage. I phone to inquire about their refiance programs and being a little upside down I didn't think that they would be about to help. I was excited to hear from Mavin their respresentative that they had a program that was perfect for me. It was a program to refinance for anyone under 20% upside down. I was only 5% so not bad. I explained that I was staying with friends in Atlanta because I had to take a job 60 miles away from my home and wanted them to have the address there. I did application and then waited several weeks to hear from an appraiser that they want to appraise my home. Well, they acutually had the wrong address to appraise. They were doing to appraise the home of my friend that I was staying with. I had to phone the third party appraisal company and give them the correct address. My appraisal came back under 5% upside down so I thought I was good to go. I phone Citi to find that I had been denied because I didn't own the home. Well, this was concerning considering I had been sending my payment to them monthly. Come to find out they were trying again to do a loan on my friends home. Well I was told to call Marvin back and after speaking with him I was told I had to fill out another packet of paperwork and start over again. After completing the paperwork and resubmitting it and being out of pocket $400 for an appraisal I finally received a letter stating that I was denied due to not owning the home. After calling them I was bacially told I didn't own the home. I am so frustrated with this institution that I have nothing good to say about them nor do friends who have their mortgages tied up with them. Do not reccommend using this bank. It is funny how they constantly send me all kinds of crap like credit card applications, insurance info, when I would do business with these people if they where paying my an APR.

maxatl99 4/22/11 8:28AM
Jorge Gonzalez at Citi Mortgage is one of the worst customer service agents I have ever dealt with. Looking to do a release of liability to remove my ex-wife off my mortgage. I have sent in about 100 pages of invasive information about me to do a simple removal request and it has taken over 5 months. Worst bank ever and worst customer service. They don't mind taking interest from me but forget about any service.

Boston 4/21/11 12:49PM
Do you like to play games with the mortgage on your home? Well, Citi-Mortgage does. My husband and I fell behind on our payments and had begun the process of having a loan modification. We were 3 months behind, but after speaking with a rep had mailed CM a payment for 2 months, and would send the past due and current due amounts by the 1st of the following month. They sent our checks back stating that they could not accept payment unless it was in full and that we needed to speak with their attorney. Many attempts have been made to contact their attorney. In the meantime, we have gone through the modification process 4 times, each time to receive a decline letter stating that we failed to provide CM with all the required paperwork. Someone from CM calls nearly every day - when we answer, 9 out of 10 times, we get hung up on. If we do get a rep they simply ask if we have any questions, we most certainly do, and are told to speak to their lawyer. Round and round it goes. It's a game with this company, each dept knows nothing about our account, the supervisor, "Susan", never returns our calls or calls us as we request from various reps. Now, we get a simple letter in the mail stating there is a hearing for foreclosure on our home next month. We were never served papers, the letter wasn't even certified mail, and we have now retained the services of a real estate lawyer. Bottom line, CM never had any intention of helping us in any way shape or form. We have 3 small children and are now facing the very real possibility of losing our home. Thanks for nothing CM - you suck!

Anonymous 4/20/11 7:43AM
Began refi process in Jan11. 60 day rate lock. Was told rate lock fee after 60 days would be ~64$. OK understood. CM does drive-by appraisal, then decides to do a walk-thru appraisal. Appraiser notes peeling paint and stained ceiling in a disused part of house. (been in the house 5 years -- there may have been a leak/moisture prob w/ previous owners -- but not in my tenure. Meanwhile the 60 days is getting close. I get an email form the CM rep: "your daily rate lock fee is ~90$. Please ack". I write back about the discrepancy. response: "oh, sorry that was a miscommunication". Yes, a large a rather large mistake in the bank's favor. I put that aside, thinking at closing I'll pull out the original email with the lower $. Fine. Back to the process: Now, because of the appraisal the underwriter wants a roof inspection. I arrange it ($225), send the results to CM. (now 4 days into rate lock fee) Response: "Thanks -- but the inspection doesn't say anything about a current leak or water damage". Two things cross my mind: 1) Wouldn't a roofer have to be _inside_ the house, during a rain event to note a leak?. And at least inside the house to note water damamge (Aside from what's visible on the roof)? and 2) Normally inspections are at the discreation of the HO -- not the lender. Right? Who here has ever had a lender _require_ a home inspection? Around this time a new GFE shows up. The original deal was 4.875/0 points and a 375$ credit for closing costs. This new GFE shows about 1/3 pt (1008$) and no credit. WTFa? Again, I put this aside for later bickerin at closing. Back to the roof inspection. I contact the roofer. Ask him about leaks or damage? He says nope.(and comments on the need for running water to show a leak). I ask him to add something to that effect on his inspection. He does, and its faxed to CM on Friday (4/1). Today I get an email "We're going to have to cancel the loan process on 4/8 unless we get the inspection" Ooooh I'm scared. I respond that the inspection was faxed on Friday. Response: we didn't get it. Send it again. I respond "I no longer have interest in pursuing a business relationship with CM". Their response: "sorry to hear that blah, blah".

So, they "mis-communicate", raise their fees, take back their credits and raise the points, all while delaying and make the consumer act like a trained pony. Apparently, part of the new laws in the last few years allow them to do some funky things as you get close to a rate lock date (ie a new GFE -- which may explain the pts and rescission(sp?) of the credit. Still the expericence is more like a bookie/loan shark relationship in an alley rather than a supposedly staid/sober/conserviate financial institution

rokosz 4/5/11 11:55AM
ihave called many times on a mortage payoff and can not talk to anyone whom i can understand i try and get differn t people on the phone and the erson continuses to talk with jabber i cannot understand ot has cost me 60.00 dollers so =for with their mess up and hopeful i can get this loan paid off without other chsrgres and get my escrow returned to me/ i know with the complaints you alread have you wont pay any attention to mine but tou are loosing a long time customer that has never missed a payment or been late ,i can see why the company is hurting with the work clintail you apasrently tolarate to represent you

Anonymous 4/1/11 9:29AM
In reply to VICTIM... You are absolutely right... these people are crooks and need to be investigated.. I sent them docs as well and they said they never got them... then I emailed them, called, and then they admitted they got them to begin with but still needed more... We told them to just cancel the refi and give us our money back for the appraisal and then they said everything was ok... then AFTER the appraisal was done they started the crap again..Said we didn;t sign a paper, etc.. So they basically stole our money!!! Someone needs to investigate these jerks, and GOOD LUCK on that happening!!! This country is being over run by these cheats and our President gave these jerks OUR MONEY!!!

Anonymous 3/30/11 4:53PM
I unfortunately have been a customer of Citi Mortgage for over 6 years, and it wasn't my choice. Our loan was approved by some other company and sold at least 2 or more times to other companies ending up at Fannie Mae with Citi as the Servicing Agent which happens to many mortgage loans. To make a long story short, I became disabled and my income was severly impacted, my wife forced to get a low paying job that she is still at 5 years later, and we were struggling to support our two beautiful children and pay the mortgage. In the summer of 2010 I missed a payment and thought I would be able to catch up with it but I was unable to and missed another which ultimately caused the default letters to rain down on us. So, I get a letter from the State of Maine Bureau of Consumer Credit Protection informing us that they offer Mortgage Counseling to people facing foreclosure. We took the advise and are working with one, and it's a good thing because Citi Mortgage was even denying that they received important documents that the Counselor sent to them for our Loan Modification we are trying desperately to get. I have never been so frustrated in my life, or had any company treat such an important matter so incompetently as Citi Mortgage has. I never end up speaking to the same person, they are often hard to understand on the phone, are either rude, short tempered, ignorant, or a combination of both, and more recently, hung up on me when I asked for her Supervisor because the person handling our paperwork to get our HAMP Modification was insisting that she was missing documents, when I know for certain, that our Mortgage Counselor sent them numerous times. So you all know, our Mortgage Counselor is a HUD Approved Agency who is authorized by the State of Maine to assist low income people for no fee to prevent foreclosures. It is important to make certain you know who is legitmate to do Mortgage Modifications as there are a lot of scams out there and that is the last thing anyone with mortgage trouble needs. So, in shortening this up, Citi Mortgage would appear to be deliberately losing, destroying, or who knows what with paperwork related to Modifications and it is very serious. This matter needs attention by the IRS and an immediate investigation into why this company is doing such things to people. In my opinion it is deliberate, and they know what they are doing. They appear to not want to help but instead want to take certain homes which they know, or think they know,can profit from. That would be FRAUD!! And YES, I think they are commiting just that!! After all, it's all about the money isn't it......? I know they don't care about the people, they proved that to me already, and it's a good thing I sought help from a Mortgage Counseling Agency or I couldn't prove anything that I am saying happened. Citi Mortgage should be sued on a broad scale, a "Class Action Suit" and everyone who has been harmed, like my wife and I, should be compensated for. What a sick world we live in, and it is indeed very sad what it has become. I can only hope all customers of Citi receive the justice they deserve in the future for their problems with this horrible company! Best of Luck!

Victim 3/30/11 6:40AM
This is the worst motgage company I have ever dealt with - I currently have 4 loans and they are the only ones I have a problem with. Customer service is non existent - the people that call have no clue about mortgages - they call all times of day and night (probably because they are in India). Outsorcing clearly does not work - they take the american taxpayes money and send it overseas to people who do not even know what a mortgage is. Once again not suprising after seeing the CEO.
Avoid this company at all costs.

anti-outsorcer 3/30/11 6:00AM
they are liars and theifs,
i was trying to refi my current mortgage is with citi.. loan officer would not leave me alone.. wanted me to pay all theese upfront fee's i said no way not without being approved.. she says you are approved so i pay the upfront fee's didnt hear from anyone for weeks kept calling leaving messages finally email says we were denied.. i ask why??? she said no unemployment collected 08-09 so cant verify income???(was laid off seasonal work she knew this and said it was fine.. well i tell her i want my money back nope no fault of citi?? she told me i was approved and seasonal employment was ok?? not sure what i should do cant get anyone to return my calls??

michksp 3/28/11 5:27PM
Keep telling the truth everyone about this lying, cheating, stealing, company... took our money for appraisal after we told them not to, won't return calls, the right don't know what the left is doing, just TERRIBLE>>> NEVER TRUST CITI WITH ANYTHING!!!!!!!!

Anonymous 3/28/11 2:11PM
Keep getting phone calls from a call center to let me know my payment is late. Had them look at my payment history and gee - right on time. Escrow dept messed up my refi and now it shows up on my statement. I never did have any escrowed on previous or current loan. What is going on with this company? Apparently, no one that knows anything is in charge. Must be nice to get Govt money from us taxpayers then ask for more from us. I will pay what I owe but no more. I keep asking them to sell my loan to another company so I won't have to deal with this abuse.

fedup 3/25/11 7:38AM
CITI MTG, ARE A BUNCH OF LIARS, CHEATS AND SMOKE BLOWERS, DO NOT APPLY FOR ANY LOAN MODS, THEY JUGGLE NUMBERS TO PUT PEOPLE IN THE PROGRAMS, IE: HAMP, GOVT LOAN MODIFICATION PROGRAM & OTHERS, THEY CHARGED US OVER 55% OF OUR INCOME AND NOT 31% AS PROVIDED IN THE HAMP RULES,& GOVT: GUIDE LINES, THEY ARE UNDER INVESTIGATION BY SEVERAL GOVT: AGENCYS AT THIS TIME. WE WERE PUT IN THE PROGRAM, WITH THEM KNOWING WE DID NOT QUALIFY FOR, SO THEIR EFORTS WERE TO DEFRAUD OUR GOVERNMENT TO OBTAIN PAYMENT FROM SAME. THEY ARE ALSO BEING SUED BY INVESTORS AND HOME OWNERS, DO TO THEIR FRAUDULANT ,ACTIVITYS AND MISSRERESENTATION,.

Anonymous 3/22/11 9:14AM
Was laid off from work for 9 months. Had made over 7 yrs of on time payments in the past. Called CitiMortgage to let them know that I needed help from the mortgage relief government program. I just wanted to pay smaller amounts until I got job. They advertised to me a temp loan modifaction calling me at all hours of the day and evening. So I submitted all the forms as requested. Rep told me they would not help me until I got a job! They asked me if I wanted to sell my house and sent some guy to take pictures of my home so they could sell it! I just happended to be out side at the right time when he showed up. So when I did get a job I called CitiMortgage again to ask for help again as I was told, only to hear them tell me they only help those that do not have jobs! Today I learned that all the late fees the occurred due to my lay off would not be waved and that they are a business doing business as usual! WOW really? The perfect payments I made for over 7 years do not account for anything and the human element of being a customer is void. I do so wish consmers had a say when their mortgage is sold without them knowing (mine has been sold 4 times now) to companies like CitiMortgage.

7 years of good payments 3/17/11 3:48PM
the is the biggest government scam in history! They have taken the money from the government and promissed to help homeowners and are pocketing the money. I am two months behind on my mortgage and they threw me into foreclosure but then they say they are helping me with a modification. Bottome line, it should be make very public and a class action lawsuit should be brought against this "bloated giant"!

ngomez 3/16/11 9:03AM
My second post. These people are dumber than rocks. I am not sure how they stay in business. I do understand why this country is in such financial mess as far as mortgages after dealing with these idiots. It is downright scary but considering who the CEO is I am not surprised. If you have 3 credit inquiries on the same day and you address them by the same day, what dumb ass would not understand you are addressing all of them? And why all the voicemails? Do humans really work there?

Anonymous 3/15/11 1:48PM
I too have been dealing with mis-representation of a god-awful company. My father passed away in December and had been paying his mortgage since 2005. The whole time his property address on his mortgage is not correct. His house insurance has the right address, but they never questioned it. Until he's dead! Now they are saying they need proof that the property address they have listed (the lot number) is the same as the physical address. I sent them proof twice. They keep telling me they have never received it. I asked them why has my dad been able to pay his house payment without any question until now. This is so fishy. I am going to my lawyer and getting this resolved. It's sickening that they are trying to take advantage of a man who left all of his assets to his grandkids and they are trying to STEAL more money from him and he's gone.

Very disturbed.

Anonymous 3/14/11 7:15AM
citimortgage made me cry. I'm trying to get my ex-husbands name off of our loan since he moved out. I was told several different things. Some that were hopfull & then shot down by another department telling me that they shouldn't have told me that. I have always made my payments on time & still with out my ex paying me. I'm still making payments on time. It's all the red tape that I can't just remove his name. He wants his name off BADLY anyway. I submitted an application for an assumption. They told me I would need to have a debt ratio of 40%. I did my homework & submitted all the paperwork that SHOULD qualify me to have it in my name only. Now I have to wait up to 150 days to find out & pay a $900 non refundable application fee. I BETTER get approved. Because I have met all of the qualifications they told me I needed to meet. I wouldn't just waste $900 for the heck of it. Time is running out to remove the ex's name. If not I could end up forclosing on a loan/home were I'm fully capable of making payments on. The system is sooo messed up. I just don't get why they make it soo hard for people who can afford it. Never thought a bank would ever make me cry. I also have 2 small children that would be uprooted to new schools ect..and my credit would be shot from the foreclosure. Please pull through for me Citimortgage! I've been good to you!

Anonymous 3/11/11 3:17PM
The process was designed to take my home .. not help us keep it ...they have received our payment...but ownership is in question.... we have been extended, until the 18th. Handwritten Profit and loss is expected before that date....did not understand why my hand written explanation was more important than that of the tax attorney.

rbartrons 3/9/11 1:04PM
As an existing customer looking to refinance with credit scores in the 800's, I have NEVER EVER experienced such terrible service. Loan Officer gave me all the info, then wouldn't answer my calls forcing me to get another officer within the company. Don't return calls, don't answer calls, Nothing!!! Absolutely horrible considering our excellent credit in this crappy economy!!! If I didn't already have a loan with these jerks, I sure would have gone elsewhere!!!!!!!!! Hell we got approved for a SECOND home in record time, without problems, and plenty of commmunication from FIRST CITIZENS BANK who WANTED our business!!

Anonymous 3/8/11 3:54PM
I too have been lost in this "re-modification process for well over a year. I send them documents they request. Every time there seems to be a problem. The loan is currently with the under writer... But the house is in forclosure. I receive several phone calls a day, from employees asking if there is anything they can assist me with?? I was put on a forberence plan in August.I made every payment as requested then I received a letter in December that said every payment had been late?! That is impossible because I western union-ed every payment and I could tell them the exact second the money was transferred. I was then removed from the forberence plan and Citi stopped accepting my payments. I am at wits end with this company. I want nothing more then to come up with a solution and move on but this company is unbelievable to work with!

Susan720 3/7/11 6:22PM
03/06/ 2010
Loan Modification with CitiMortgage.
When I first applied for a loan modification with CitiMortgage in December 2009 my payments weren't in arrears. Cit;y Mortgage informed me that I could begin the trial modification period and make modified interest payments . CitiMortgage told me this without disclosing the possibility of negative consequences to my mortgage payment history, and under the expectation that I would receive a permanent modification under the HAMP or other CitiMortgage loan modification program there after I was sent a letter and a phone call telling me that I was in 4 month probation and that I had to make modification payments of $713.00 on time for the modification to be complete. Several letters were sent to me telling me that more of my personal information was needed. I sent the information and payment that was requested each month until October 2010 the same information was requested and I therefore sent the requested information and payments each time. Then I got letter telling me that they sold the loan to IBM to be final on November 1 2010 they were still sending me request for info as late as October 28, 2010. On November 1, 2010 , I called IBM and they told me to call back in a week because they didn't have all my paper work yet. On the 3rd of November [after the loan had been transferred] I get a letter from CitiMortgage saying I was denied loan modification and another letter saying I owed $16,000.00 (plus) - due by December or I would be in default. Now I can no longer talk with CitiMortgage, I have to talk to IBM! IBM says I owe them $14,000. in back payments due by December 16, 2010. I wasn't behind when I went into this Loan Modification to begin with. Now after following all the instructions to the " T" their telling me that I must come up with $$$$$$$ or lose my house after doing just what they said make only the modification payments of $713.00 per mo. IBM now wants me to reapply through them (IBM) for thier loan modification. What should I do now? I'm afraid to ask for any more help after what I'm going through now.

Thank You
HERMAN ROGERS

Anonymous 3/6/11 11:28PM
IMPOSSIBLE. I have made all payments on time. I am trying to find out about the FHA loan assumption process. I have called 4 times, talked to about 12 people "Supervisors". I cannot clearly understand anyone I have talked to. I guess they are in India? The dialect is very difficult. After each phone call I get a generic letter which has noting to do with the reason I called. I might as well be talking to my 10 month old child.

Anonymous 3/6/11 12:29PM
no on answers the phone...difficult to pay online and 15.00 to make phone payment

Anonymous 3/1/11 12:35AM
Citimortage sold me to another mortgage company.. I accidently paid Citimorgage my payment of $1901 via my online banking on 01/14/11...as of 2/28/11 they still have not returned my money....keep telling me the check is in the mail... I even had them complete a stop payment and reissue a new check...they said mailed out on 02/14/11...still in the mail.. in the meantime, the new company keeps harassing me for the payment!

Tired of banks 2/28/11 5:14PM
On Feb 28th 2011, I called the CitiMortgage to report many errors in my account. They apply some additional funds and then 20 days later the reversed more then the amount they apply. Additional to that mistake they keep apply and reverse many time. I talked to customer for about an hour he could not resolve the issue. He transferred me to his supervisor, she cannot revolves it neither she kept telling me that the different is apply into my next payment and she cannot prove it. She kept telling me that I will send me a letter to explants it. I don�t need the letter I need it to be correct so that I can check on line. It�s looked like I talked the customer service for India. I asked for local customer service. She said that �sorry we don�t have office in Texas to help you�. It is terrible customer service.

Kim 2/28/11 1:16PM
I want to make sure that everyone also knows not to deal with Asset Retention Group. They are just as bad,if not worse than Citimortgage. At least Citimortgage doesn't promise things that are and even say, If they can't fix the promise you will get your money back..Asset Rention does..Never let anyone you know use this company to do any kind of modification for you. They will just take your money and not deliver. They should be shut down like Citimortgage. They are helping the mortgage companies take your home and don't even care.. Stay clear of this company. They will rape you and rob you blind...

Anonymous 2/28/11 1:10PM
Horrible experience! Similar to everyone else that has posted

Anonymous 2/28/11 12:45PM
My husband and myself had our first major issue with Citimortgage in June of 2010. I was only 1 month behind and I called and spoke to, what seemed a very nice, educated customer service rep. I explained that we just got behind but I would make up for it. Our current mortgage was $823 a month but I was paying them $1,000 a month to pay any late fees that were accuring. I called in June of 2010 to make sure that the extra I was paying was going toward the late fees. Amanda at Citi told me that no my extra payments were going to the principle of the house. I asked her to make a note in my account that I wanted all extra payments I sent to go to the late fees. I even called back a month later to verify that she did that, which she did. All along I was still paying one month behind of $1,000 a month. In August of 2010 I made 2 payment so $1,000 to get us back up to not being late. So come the first of September I thought we were up to speed. On Sept 9th I got a check from Citimortgage for $5,000 with a letter stating that even though they received our money, it was to late because our house was in foreclosure. I called the customer service department to be transferred 4 times to different departments, I explained the whole situation to each person, being on the phone for over an hour. Every person I spoke to said the same thing..Sorry but Amanda should not have told you it was ok to pay a month behind because your account has been in foreclosure since March. That is why they sent me all my money back. They told me that I was not allowed to call them back and I had to deal with their attorny's office that is handling my forclosure. So I starting calling their attorny. At this point I never received anything in the mail stating I was going into foreclosure. I thought everything was fine. The attorny's office would not return my calls half of the time and when they did they couldn't help me. So I hired a group called Asset Retention Group to help me get this fixed. Needless to say I was ripped off from them too. I paid them $1600 to help me do a modification on my loan and was promised my the manager of that company that they would get Citimortgage to take all the money I owed them and put it to the end of our loan and we could start making payments again like normal. That did not happen. The only agreement Citimortgage would do is if I was willing to pay $2200 a month for the next year to pay back any foreclosure fees and attorny fees they had. I did not agree because my account should not have been in foreclose to begin with. So the sale date on my house was yesterday and I can't get anyone to help me straighten this out..I think we should all get together and hire a really attorny to shut this company down and get us our houses back and in good standing. This is the worst company I have ever had to deal with..they can all go to hell..

MadinCincy 2/25/11 11:05AM
Actually this company treated me pretty good until it came time to deliver. We pay our mortgage on time and were looking for a lower rate. The representative told me about this "New" program that would fit me and my husband. I was kinda hesitant because I thought our house may not evaulate high enough. I told him we had tried to refinance earlier that year with Citi and were denied after our apprasial. He then told me the average value of homes in my area. I new from our previous appraisal we would surely qualify. I spent the money for an assessment ($600), got all the paperwork together and a few days later I was denied. I went on line to see the average selling price of homes in my area. It was way below what the guy at Citi had told me. And the "New" program evidently was not as good as he told me. He had said "this is a new program...better than previous programs." Was he not knowledgeable of homes selling in my area?? And yes, shame on me. I believed him without doing my research. I still lost money.

Anonymous 2/22/11 10:19AM
How come the better business has not step in to ask why things are like they are at citimortgage they are very rude and have a dont care attude to everyone, even after our so called president gave all of the banking industries 850 BILLION dollars and we still get treated like crap. what a joke well they can come a get my home , I hope that they choke on it the F#$@ing Bast$#@s If I was to move out of my house right now the weeds would rn wild and the snakes, mice, spiders and wild life would take it over. as you see I live way out in the country, and now that spring is coming on thing will grow fast and things woulg get way out of had here. good louck to the asses at ciitmortgage try to upkeep a house far out in the country.

kiss 2/17/11 1:13PM
i have filed for a load modification and did all of the so called paper work and they called every day sometimes three times a day about my mortgage payment, I have told them that I was laid off and was looking for work and if they could help me , answer was get a job, then when i did get a job (not making what I was making at my last job) I had called them and was told to fill out the paper work for a hardship , I did that three times plus the last time I sent it out with a signture saying that they had recived it. plus I had faxed it to them and made the call to vefy that it was recived , and it was (this is for everything that they wanted , i.e. pay stubd , two year tax papers, letter saying why a hardship, letter from my new employer, papers for employment stating that i was laid off, ect.) which i did that every time (three times) and now i am in forclouser and all this time I was told to make a %607.55 payment instead of my monthly payment of $907.55, I did that I got calles every day asking for the full amount, and not one person told me that I was going to be forclosed on, until I got a letter from their lawyer, I have done everything that that had asked and for what nothing no help no nothing form them citimotgage is nothing but a bank and all they want is you damm money no help at all. they suck and they will always suck F#$@ them

kiss 2/17/11 1:01PM
This company is filled with liars and is being run by an individual that obviously doesn't care about customer service, integrity, and has proven to be a prime example of a corrupt CEO.
My wife and I applied for a loan modification with them over a year and 1/2 ago. From the very beginning their games started. They said we will send you out a packet, fill out all paperwork and return it. Ok, we thought. Weeks and weeks went bye, with continued calls to them telling them we never received the packet. And of course their answer every time is,"our records show it went out". How pathetic, this went on for FOUR months! However in the mean time we still received our monthly statements from them, but never a modification packet. So, then they told us to gather all the information they needed, and all the required documents and to fax it to them. Guess what, after 5 confirmed faxes, they never received that either... SHOCKING!
Finally after 6 months went bye they received all the paperwork. We were told we would start a 3 month trial period. That never happened either, yet we were told this by countless agents of theirs. Once all of the paperwork had been sent in and filled out we asked about the trial period, now all of the agents played the STUPID game, "What trial period?"
We were told that we couldn't receive, or be approved if we were current on our home loan, that we needed to be two months behind. After being two months behind we were told, we couldn't be helped unless we were current. This went on for over a year!! This company is an absolute joke! They were quick to take a bailout from the government, but do not help their homeowners. At almost a year and a 1/2 of endless games, endless calls of being on hold and transferred for hours on end, and we were finally told that our modification was declined. And guess what their answer was: "Sir, I don't have any information on why your loan modification was declined".
I wish I had known what a corrupt corporation Citibank is when my loan was sold to them years ago. Citibank is a true disgrace...
Never do business with this company, and tell your friends, family, and loved ones to stay away from Citibank.

Josh S. 2/16/11 8:53PM
This company makes me mad as hell. I'm not behind 1 single payment and have been in my house for 15 years...yet they will call you everyday beginning on the 5th of the month (my note is due on the 1st). I've asked them to please quit calling me everyday. Hell I'm not even late yet...why are you calling me. They are terrible. I believe they have cheated me on the concerning my equity and payoff. I hate this company.

LCMemphis 2/9/11 2:19AM
My husband is on active duty for the ARMY and I have been trying to get an extension for over 2 weeks on my February mortgage. I called the end of January knowing that I wouldn't be able to make my payment and I was advised to call back in February. So I called back on Feb 1 and was on the phone for over an hour being transferred from department to department. When I finally reached a person that could provide me with the requested paperwork I was relieved. I was told to call back with in 48 hours for a response so I did. I was told that I didn't provide income information when I applied so nothing had been done. Weird thing is they NEVER ASKED me for it! I gave the representative the info that day. I find it annoying that they didn't even try to contact me noticing that there was something missing. So I was told to call back today for an update... Again on the phone for over an hour trying to get a hold of the correct person and when I did I was told it was declined because I didn't provide my income information (WHICH I DID)They representative proceeded to tell me that since my expenses were more then my income for the month is another reason I was declined (THAT'S THE REASON I WAS APPLYING)CitiMortgage is HORRIBLE! When my husband gets back from active duty we will be finding another mortgage company, I don't care if we have to pay a higher interest rate. DO NOT GET A MORTGAGE WITH THIS COMPANY...

Anonymous 2/8/11 10:38AM
Worst company I have ever dealt with in my entire life and I'm in my 60's. I have not received an accurate bill from them since summer of '10. Every time I contact them about it, they come up with a different number. I will refinance with someone else the first day that I am employed again. I would be willing to pay a higher interest rate if I can just find someone who is professional.

chastua 2/7/11 4:08PM
citi mortgage is the most unorganized company i have ever had to deal with. you are transfered from one department to another with no results. my 1st mortgage was foreclosed on and while citi mortage was suppose to convert the 2nd (which they hold) to a personal loan. they continued to take the payments without doing so and now have added hazard insurance to the loan. while i have spoke to work out, escrow, customer service and insurance departments they just do not get they are not entitled to anything. the poor people that now own the home have a notice of foreclosure placed on their door and citi mortgage still cannot get it right. they continue to harrase a 71 year old woman over the phone and will not accept a cease and desist letter because one department does not know what the other is doing and they do not know how to use public records even when provided to them to see the home was foreclosed on over 2 years ago. you only get offshore call centers that can barely speak english and have inaccurate records and illegal lending practices along continue to try collect debts that they do not have a legal right to. but i guess this is why the goverment had to bail out the banks because they do not know how to run a company. i am very disatified with the service and professtionalism of this company and their lack of commuication in each and every department. even they know you no longer have the home and they have no right they still harrase for payment and on top of it add hazard to the loan what a scam!

bigredtruck 2/1/11 6:19AM
I had a terrible time contacting anyone competent enough to help me. Every time I call I receive a different answer to my question it seems as if they are not well train. They take oround in circles transfer here transfer there and magicaly the line disconnects after a while. Its very hard to deal with this when you are out to lunch on a limited time on a cell phone racking up the minutes. Well I'm about to loose my house because I have not had any success with anyone to help me. You go to their branch and they can help, call they can't help, so who can???
This whole situation is left me with more questions than answers.
Very frustrated need help or will end up homeless.

soon to be homeless 1/31/11 10:08PM
I live in Michigan and had my mortgage taken over from my bank by Citimortgage 3 years ago. Last year we got behind 1 month in our mortgage payments, but were able to pay the monthly payments and late fees. In August 2010, I went on their web site and filled out a refi request, to this date, they have never respopnded, my request has never been acted upon. After receiving many phone calls at all times, I finally got a number for the loan modification program touted by FreddieMac. After providing the required information to the loss mitigation department, I got a letter from Citimortgage's collection dept claiming that I owed $3,000.00, that I did not owe. After contacting their customer service, they admitted that they had received my payment amd would correct the information. One month later I received another letter from the same collection dept claiming that I now owed $6,000.00, which I still do not owe. Again, I contacted them 3 separate times in 7 days and was told every time they had received my payments, but for some unexplained reason, the checks they cashed and the funds they received were not applied to my mortgage. Today after calling them again to reconfirm the lies they told me the other 3 times, I was told that I owed $300.00 in late fees, but they could not tell me why the late fees that I had paid were never applied to my mortgage. Even though I have been overpaying my mortgage along with the late fees, and I am supposed to have over $600.00 in unapplied funds, I have never gotten the same story from them. Has any legal action been taken against Citimortgage for their actions? Is there any group that has filed a Class Action Suit against them? I have yet to find any mail addresss, corporate information, or anything else about Citimortgage. There is no way to make a complaint to Citimortgage, has anyone found a way to do so? So there are thousands maybe millions of people who may have been violated by Citimortgage, who is only the servicer of mortgages and FreddieMac, who holds these mortgages has failed to address these matters and also does not have any complaint process for these issues. If I lose my home of 30 years, my next residence will be outside of this country.

messagetosheep 1/27/11 8:51PM
Citimortgage has the worst customer service I have ever dealt with. I never got to speak to the same person more then once. Emails went unanswered, phones calls went not returned. Faxed documents were lost and needed to be resent more then 6 times.

Jone 1/26/11 8:45PM
CitiMortgage

RE: Account #

I have for over a year now tried to get some help from CitiMortgage with this loan.
In the beginning; (due to my error in re-financing with a company) I was not told, although I�m sure it was in the fine print that my new mortgage (approx 2003) would become adjustable after a 2 year time. I was told I would be able to refinance in 6 � 8 months which didn�t happen because at the end of the 8 months they told me that property values had dropped and it would be impossible to refinance now.
In that time my mortgage was sold to CitiMortgage. EVER since that time I have had trouble with CitiMortgage.
In August 2009, I called CitiMortgage trying to get a modification on my loan. Due to divorce-legal fees, etc. I was having financial difficulties. I was told that in order to process a modification, I would have to be BEHIND on payments 2 months. I proceeded to work on this modification, all to no avail. CitiMortgage claimed not to have received my faxes (even though I had proof) and had to re-send them. Then was told it might take 6 � 8 weeks before any answer could be solidified. In the meantime, this is being reported to credit reporting agencies as a delinquent account, thus hindering my credit score in the meantime. By March 2009, there was still no help from CitiMortgage and with the lack of help from CitiMortgage and the other financial difficulties, I had to file bankruptcy. I kept the house out of the bankruptcy however, and in order to file was told by my attorney that the 2 payments I was behind with CitiMortgage would have to be paid before the bankruptcy could be filed. So at that time through borrowing money I was able to get those 2 payments paid. A few weeks after the bankruptcy filing however, I received paperwork from CitiMortgage showing the $1900 (plus) that I had paid in March was not accounted for by CitiMortgage, thus CitiMortgage sent a modification to sign.
As of this date, I�m not sure whether that money was ever accounted for.
Beginning in April, I called in my mortgage payments, because I was blocked from paying online. EACH and EVERY month I called to pay, I was directed to the bankruptcy department even though the house was NEVER in the bankruptcy. Each time I called to make these payments, I was sent to this department to make my payments, and each time was told to pay $809.68 � which I did. All this time I�m receiving a statement each month also, BUT NEVER does it reflect that I have a late charge, that I am a payment behind or no such info except the monthly payment. At the beginning of October 2010 I called to make the September payment AND the October payment and was told that I was almost $3000 in arrears. In talking to someone at CitiMortgage, I am told that SINCE April, only partial payments have been being applied � thus my account is showing VERY delinquent and multiple reports have gone out to the credit reporting agencies (like I need ANY more bad reports at this time). This was due ENTIRELY to CitiMortgage giving me INCORRECT information. Included in the payment in October (according to the person taking the payment) was the late charge fees.
In October, I paid $1502 and change, in order to try and begin to correct some of this. Then in November I phoned in another payment for $878 and change (plus any charges that were additional JUST to pay). Then in December, I called to make a payment and was again told I was 3 months behind. Upon checking, CitiMortgage discerned that they did indeed have the confirmation # of the payment, but it had not been applied. They would send it to the correct department and try to get this taken care of but it might take 2 weeks. In the interim, I receive a letter requesting my checking account information showing these payments. So, I got these to CitiMortgage, and in 2-3 weeks had received a letter stating that the $1700 (plus) would be reapplied to my account � and they would send a notification to the credit reporting agency in reference to NOVEMBER. To begin with there were MANY months that there was negative info reported to these agencies (again, due to mis-information from CitiMortgage) that have NOT been corrected.
In addition, this as to my understanding is and Adjustable Rate Mortgage (again unbeknown to me), and in light of mortgages rates today and in the last year � SOMEHOW my interest rate is still almost 10percent... Is there an explanation for this that I�m not aware of?
IN ADDITION to that � today 1-26-2011, I get a letter saying that because of the delinquency on my account, there will now be an exterior inspection of my home, with the charges being applied to my account, AND these MAY continue monthly.
What are you people trying to do? Make me lose my house? I have tried for a year and a half to get some resolution, help, satisfactory answers, some kind of helpful information from CitiMortgage � ALL to no avail. Instead I�m getting charged for anything that can be dreamt of, with the potential for additional charges.
And now, yesterday 1-18-2011, get yet another letter pertaining to my DELINQUENT account..
And now an update from my credit report showing something else from CitiMortgage. I am NOT delinquent on this account. I have made payments that were supposed to cover and erroneous late charges and now ONLY have the January payment that is due... What else can I do to get this straightened OUT? Anything reported from CitiMortgage to the credit reporting agencies should have been to correct the last entry which showed delinquent.
I am at the end of a very long divorce dispute, just finally closed on my bankruptcy and am trying THE BEST I KNOW HOW to begin building my credit score again.
Any response that I do get is slow to get here, and apparently crossing over from another department within CitiMortgage and your right hand doesn�t appear to know what your left hand is doing.

bwillo1428@tds.net 1/26/11 12:12PM
I hope that all the employee's, the president the CEO and all the other people associated with this damn company get what is coming to them. I am so angry and pissed off at this company. Our house is in foreclosure. We signed a contract with Susan Owens that we are doing the repayment plan and paid this company over 7,000 in one month so we can keep our house. Guess what now they tell me that we have been taken off the repayment plan but can't tell me why because no one there knows. I have called and talked to supervisior's and still they know nothing. All they say is that we can email Susan Owen the rep who is handling our case. Ten emails have been sent to her and NO RESPONSE!!!!!! No one in this damn company can give me an answer!!!!!!!!!!!!! Someone needs to close this mortgage company down!!!
Angry!!!!!!!!!!!!!!!

angry 1/25/11 8:36PM
I can see now that I should have did due-diligence and searched the net before I responded to an offer to refinance our current home loan held by Citimortgage. They all sound like us. We are senior citizens, great credit, financially sound between savings, Social Security and pensions. And yet we now feel have been victimized. It would seem that you cannot ever meet their requirement for more "proof" often the same requests, for the same information, over and over. What was promised as "a simple and painless" refinancing with "continuous help and guidance" through the process turned out to be just another of their many lies!
I believe one of their ex-employees summed it up best with what is most likely some of their (Citi's) internal language, "CHURN EM' and BURN EM'".

Mr. O 1/22/11 8:23AM
Was following Citimortgage's remodification procedures, including sending all requested paperwork. Also mailed a check to check account open and clear. Was told no problems, just takes time for the process to be completed. Then, Citimortgage filed foreclosure on my house. Was told by attorney this is a "Bad Faith" legal issue not uncommon with mortgage company. Be wary, don't trust what Citimortgage tells you. Not an honest company working with remodifications. I have hired an attorney.

Anonymous 1/21/11 10:14AM
Citi will make homeowners jump through hoops for several months,maybe a year...only to forclose in the end. Everyone getting the run around, please read this...Kiss your home good bye. Find someplace to live. The government is aware that big banks are stealing homes but turn their backs on the truth. The big lenders keep receiving Bail Out money while the government refuses to enforce laws. Families can remin in our homes but the governing agancies will not speak up for homeowners. Do Not Trust Anything CitiMortage Tells You. Customer Service employees are trained to stall as long as possible, steal your money...then foreclose without much notice. It is routine procedure. It is very sad that we are loosing homes that we can pay at a reduced rate. Nobody cares in Washington. It will requires years to correct this criminal action. Start planning a new place to live. CitiMortgage is heartless. You will be forced to move!

Amy 1/20/11 6:11PM
My family and I are in the exact same situation. I was just disconnected by Citimortgage for the second time today. Everyone has a different answer and as you said the paperwork that comes in the mail, explains something entirely different. I am done with this and am looking to see if legally I can get some help. Since my monthly payment has increased monthly (escrow account added by Citimortgage without authorization) and I was denied all loan modifications. Today I was shocked when a Senior Manger in the modification dept. named Tina told me you are not eligible for a modification because your loan is current. I know that is not the actual reason, but I can not believe a representative would actually verbally express that to a customer. Citimortgage is awful and I would not recommend them to e even my worst enemy. If anyone knows of proactive steps I can legally or otherwise take to correct this unauthorized escrow issue please let me know. My taxes are current and have always been current.

makayla 1/18/11 12:32PM
Since I began the loan modification process in September, I am amazed at the confusing process, the runaround, and the lack of knowledge and care of the customer service representatives. Most times the call center reps have no idea of what's going on. I left five unanswered and unreturned messages for the most recent person in charge of my file. I say most recent because the person in charge of my file is constantly changing. I have requested several people on numerous occasions to contact me to no avail. However, during this process Citimortgage has managed to stop sending me my monthly statements, stopped applying my mortgage payment to the proper account, treated me rudely on the phone, and transferred me to any and every department unnecessarily to make the process more frustrating. I have managed to fix the errors created along the way to my account. Many times paperwork was misplaced or lost and requested again. I am simply trying to find a solution to keep my house I cannot afford. Today I talked to a customer service representative who falsely claimed he was from the MUA department. Eventually I will find someone who is professional and can assist me, even if I eventually have to email every Citimortgage executive.

Anonymous 1/17/11 10:11PM
I can't believe what i'm reading. I didn't know all these people are having the same problem I am. I applied for a motification over a 1 1/2 years ago. My house goes up for aution on feb 8th. I have been in a temporary motification payment for about a year. Everytime I call I get a different person and they tell you something different all the time. I just received a letter stating that I don't qualifty for a motification and My husband called city and they to tell you well thats just one option and that we need to apply for a traditional modification. We have filled out packets after packets of paperwork. I have sent all documents they have requested and everytime they tell us they need something else. I feel like they tell you one story and then you get something in the mail and it tells you something different. They even said at one point that we were approved and that our packet was in the mail. That never happened.

SESQUIVEL 1/17/11 11:20AM
I applied for a loan modification on my 12.25% baloon 2nd mortgage in June. After being led to believe the modification would be approved for a trial period I was declined. I was told to reapply in October as there would be a new program I would qualify for. After a week I was told I was approved for a trial period and told to return my loan documents. I never received anything from them other than an e-mail telling me I had been approved and to return the loan documents. I have called then no less than 30 times since Nov.1 and have been told everything imaginable. The documents were sent, there are no trial modification documents , just make yor trial payments( which I did for 3 months)etc. Now I'm being told I have been dropped from the program because I neglected to return either set of loan documents that were sent to me. I explained for the 30th + times I had never received anything and was promptly told I needed to pay the back mortgage payments plus the penalties. This company is a nightmare. They do anything they want to and apparently have made enough campaign contributions to our honored congressmen to allow them to get away with their abusive, marginally illegal tactics. Don't look for any relief from this pack of white collar hoodlums.
R.B.

R.B, 1/16/11 6:48PM
my wife and i were behind 3 payments, because of major medical issues. we kept paying the current mortgage payments, and advised them we wanted to make an adjustment so we could catch up on what we owed. since november 29th, we havent gotten a straight answer from 1 person, they lost papers, misfiled papers, shuffled from one person to another, never the same worker.the paperwork was never forwarded, whatever they said weas always different. but it was somehow our fault. now were in forclosure because of their inability to get it right. sure we were behind a few payments, but , then they sent back a payment and started their move to get our house from us, all the time we were trying to be up front and do something before it was to late, guess they seen we had alot of work done on the house through permits issued to the adress.we supposedly owed $2000, at the november contact date, now it has more than doubled, the fees are crazy, and we are sucked into paying their lawyer his fees too. it up to 6000 now just since november.wtf, these people are freaking raping people of their homes, and doing it with money from our taxes too.
writing to senators, tv, lawyers but they seem like they are untouchable through it all.
for an industry that is supposed to be helping out us that need just a little consideration they act as if the money is their personal account. the mess will get worse because their inability to want to help will lead many people to not own and the tax base across the entire usa will drop big time. then the real depression will become very apparent then what we tax payers have to fork over more to these criminals?
i say take it, i have broken foundation as well, as broken sewer line i refuse to fix anything. i hate to lose the dream of growing old and giving our kids a family home, but i feel to burden them with this and ny taxes being the highest in the land, i guess im giving them something better, freedom from an overtaxed burden here in ny.
its kind of strange how much litigation is comming against citigroup, anyone think they are trying to recoup loses at our expence? i certainly cant be told any different.i understand why the older generations didnt trust banks, its all to clear to me now.

sabre20009 1/15/11 3:15AM
Have been trying to refi my mortgage with Citibank since October. I had to add my assets to the original paperwork. I was told it was put in the wrong column.
They demand and misplace documentation that you send them. The person who starts the refi process obviously does not speak with the person in Missouri who gathers the many pages of documentation.
They do not understand NY laws where my home is.
They demand documentation too late for HPD to give it to them. This process has been a horror.
When my lock was about to expire they said they would extend it, but I had to pay $81 a day until they received a discharge of an HPD note that had already been satisfied in 2007.
I refused. They finally extended my lock for twenty days.
I had to go to Bill DeBlasio, my public advocate's office to lean on HPD for the discharge letter.
Is this the bank we, the tax payers, bailed out? My mortgage has been with citibank since 2004, my credit rating is excellent.
I was recently able to get a building loan from Ulster Savings Bank; and indication of how sold my finances are! They serve you tea and cookies, you speak to real people who know what they are doing and don't outsource their labor.

Anonymous 1/14/11 7:59AM
In October my husband made arrangements to make a payment. When he went to make the payment they told him we were in foreclusure. That was the first we heard of it. We contacted the loss mitigation department and filed all the paperwork they told us to do. They said to call back weekly. We have been calling back every week two times a week and have gotten the same response "still under review" until today. We were told back on Nov. 30 our account was closed due to incomplete paperwork. Our house goes up for sale Tuesday January 18th. They said we have to refile all paperwork and we did.

jon 1/13/11 9:58PM
I initiated a re-financing process with CitiMortgage, and AFTER they took my appraisal money was when they decided that my credit score was not enough to be able to get PMI. They knew IN ADVANCE what my score was and what the estimated value of the house was! This is after 4 full years of not missing one single payment. I'm not sure if they are crooks or just plain incompetent.

Anonymous 1/11/11 9:14AM
I was strung along by CitiBank, and sent out appraisers who did not have a clue about my area!!! They lowballed me so badly, after I have had this loan for a long time, bought in 01....Do not trust Citibank!!!

heckler97 1/7/11 7:23PM
CITIMORTGAGE is a bigger threat to my family than any overseas terrorist. Wanna bet? When a company can not respond in a manner that is:
1) reasonable
2) timely
3) accurate
it is time for extensive investigations. If it is incompetence, fine their asses. If they are criminal then let the law take over.
The status quo is unacceptable, unAmerican and has done immeasurable damage to the middle class. Refinancing should not be this difficult. I personally am astounded at the lack of follow up and accountability by everybody I have dealt with. Congress, SEC and everybody that oversees this scum we call CITIBANK need to wake up and now!!!

justiceforall 1/7/11 6:23PM
I've had an unacceptable experience with CitiMortgage and will continue to pursue action. In Dec 2007, I contacted them due to a job loss. At that time, they told me I didn't qualify for any help because my mortgage was current. I struggled to make payments and fell behind in the first couple months of 2008. At that time, I completed the 1st of 6 hardship applications and sent all supporting documentation (luckily I kept record of sending this documentation). My applications were consistently "lost" and it was impossible to speak to anyone who had the ability or authority to address my concerns or answer my questions. I consistently was told that there were no issues, that an approved application would correct the issue. At the beginning of the process I owed $218,000; when I was finally 'approved', my balance was $260,000. The FMV of the house is $203,000. At no time during the process was I told that the balance was anything other than the $218,000, and on several occasions was told the arrears would be 'forgiven'. When it came time to finalize the loan modification, CitiMortgage was expecting me to finance the $260,000. I indicated the desire to remain in my house, but would not be doing this; it would be absolutely ridiculous and financially irresponsible. I made several additional attempts (in writing) to come to some type of agreement, but couldn't even get the courtesy of a response. I indicated I would be filing a complaint with the Attorney General. In March of 2009, they filed the foreclosure documents. I personally attended each court date, with no real luck. To complicate things in the timeline, I divorced in 2009 and as a result, ended up filing for bankruptcy in August 2010. In November 2010, I was notified that CitiMortgage sold the servicing of my loan to NationStar. At that point, CitiMortgage wouldn't even talk to me. Because of this, I petitioned the court to dismiss the foreclosure since CitiMortgage no longer held right to the note; the court denied stating the attorney's representing CitiMortgage intended to continue the action after my bankruptcy was discharged. Now, in January 2011, the court is dismissing for the reason above. In hind-sight, I'm sure the transfer of the note was communicated timely from CitiMortgage to the attorney, who is located in my state - Wisconsin. Well, now I'm having to work with NationStar, who has my mortgage balance listed at $260,000. I respect the efforts of the Obama administration; however, the 'system' is not working. Yes, the mortgage companies will offer the programs, but they are only concerned with reducing you monthly payment by lowering the interest rate, extending the term, etc. There is no concern with people, many of whom feel no other choice but to, staying in mortgage balances the far exceed the value of their home. Isn't this why this country is in this trouble to begin with?? When I inquired about a principal reduction or forgiveness of the arrears, I was told that was not an option. So, here's the bottom-line. For qualified homeowners, the morgage companies would rather take a loss through the foreclosure process, rather than allow a homeower to stay. In my situation, I requested to have my principal balance of $218,000 reinstated, which would mean the bank would need to reduce with the arrears of approximately $42,000. In a foreclosure situation, they would be looking at recouping about 75% of the FMV ( $152,250), would would be a loss of $107,750 (which may not include additional expense that I'm not aware of). IF THE INTENT IS TO IMPROVE THE SITUATION AND HELP HOMEOWNERS, WHAT IS MORE REASONABLE? I will continue to fight this battle, even if I go down in flames. I've worked hard my entire life and pay taxes to help bail out these big companies... where's the help when I need it??

mwires 1/7/11 10:55AM
OUR experience with citi m has been terrible!!DO NOT recommend them to my worst enemy.Everytime we even tried to get a loan modification....we did our part,and after waiting months,and months we STILL get the same line over&over again!!Freddie mac the underwriter is taking their sweet old time.In the meantime our house is in foreclosure&sherrif sale/auction all because they did NOT communicate properly,and then they wouldnt accept payment....all n all NOBODY communicates,and then find out down the line it's all because "they"lost a document,need more info..blah,blah,blah.NO HELP as they promise!!scam,scam,scam....so the 4,320 ppl strating the lawsuit i understand why! And if WE DO NOT get an answer in the next few days they can keep the darn house!!We are 2 regular people who one of us lost a job,of which he had 7yrs.(can hapen to ANYONE)Plus he was fighting full force for custody of his child from a previous relationship,bc she was in a BAD,dangerous situation with a careless drug addict mother who was abusive...and let me tell you,wayne county in the state of MI is the HARDEST state for a father to get full custody&alot of$too we paid a lawyer....TELL ME FREDDIE MAC/CITIMORTGAGE WHAT ON EARTH IS YOUR DEFINITION OF HARDSHIP????Obama is catching on to your scams!! SOMEONE will be in for a BIG surprise,as an immediate family member works for fox2 news...i already have many people who have contacted me with the same complaint,i will be contacting the ones who want their story told on the channel 2 news.I wish that it could be different...i do hate to complain unless it's serious!I was going to hold off,and trying to be nice!!Nice doesn't cut it At least maybe now Obama will see who the slackers are,and the runaround continues!!My husband has had his job back for almost a year now...YEP&thats how long its taking.Now i see why soooo many houses are foreclosed!!Get some qualified people,or stop blaming one person to the next...talk to the lawyer,talk to the underwriter,talk to citimortgage...they all say!NOONE can give us an answer,so GUESS WHAT???the house is NOT have my name on it&i have a steady job 4years....hmmmmmm.....what do you think we are going to do?Thanks alot for the runaround!!I hope whomever gets the house realizes the foundation is crumbling by the minute,basement floods,needs plumbing,and termite damage....hmmmm...maybe a blessing in disguise cuz...guess what? we got the$$and we have such a bad taste in our mouth, at this point we ARE NOT going to fix the house up anymore as planned!!HELP MY---

beyondannoyed 1/5/11 7:50PM
An absolute nightmare. Near impossible to reach a live person; on hold forever and then they ALWAYS refer you to some other number. Complete avoidance. No response to written requests, faxed request, emailed requests. They will continue to report you as an obligor on past loans and mess with your credit rating. Avoid at all costs; refinance if they buy your loan.

ForeverObligated 1/5/11 9:44AM
I am absolutely amazed at the stories I am reading about Citimortgage. I fully know now that Ia ma not alone and they have done the exact smes things to others as they have been doing to me. If anyone in Georgia (Atlanta area) that wants to move forward with a class action lawsuit, please email me at jshondarj@aol.com. Something needs to be done and FAST.

SJ 1/4/11 7:50PM
We have had problems identical to those listed here. We have no recourse but to go to a higher authority to investigate Citimortgage at this point. Our Attorney General was no help. I guess we'll call Elizabeth Warren, right after we call the media.

Burned in Colorado 1/4/11 4:29AM
my husband passed away in august and now citimorgage is now trying to take my home away from me because my house was just in his name and meanwhile they took 7000 dollars and then sent me foreclosure papers I LOST MY HUSBAND SUDENDING AND I AM TRYING TO GET THROUGH MY GREIVING AND NOW I HAVE TO WORRY ABOUT BEING PUT OUT ON THE STREET WITH MY 2 YEAR OLD GRANDSON AND 13 YEAR OLD SON WHAT IS WRONG WITH YOU PEOPLE ALL I HAVE LEFT OF MY 10 YEAR MARRAIGE IS MY HOME MY HUSBAND AND I WORKED FOR SO VERY HARD I WILL FIGHT THESE PEOPLE

almosthomeless 12/30/10 9:07PM
I reccently filed BK7 and re-affirmed my loan with Citi-Mortgage. I've paid on time every month since April 2004. My discharge happened Nov. 3rd. and Citi reported my wife and I late 2 times 30 as of Dec. 14th. She's called 10 times and I just got off the phone with Brian operator #BC17774 phone #800-283-7918 with the worst customer service care and atittude I've ever experienced. This company should be investigated, sued and put on probation. I my Lawyer on a 3 way conference call and he mentioned he's never been thru this since starting his pratice in 1970. Between my wife and I, we've spoke to 15 diferrent people with 16 diferrent answer's to 3 different questions. I told Citi I may as well stop paying my Mortgage since your reporting my late and not being re-affirmed. Brian, who's the biggest smartass working for Citi should be fired. My name id Tommy Wooten and if any Citi employee look at my account, they would know I'm getting F#$%^ and laughed at all they way to their own bank. So help me God Brian ID #BC17774 your company better never call me for 1 penny, I'm going to let it RIP, CURSE YOU OUT AND HANG THE HELL UP ON YOU, Just like your BS company is doing us.

T Wooten 12/23/10 11:34AM
Bottom line: Citimortgage are liars and incompetient . Never saw such eptness.. I have been going in circles with them for 4 years... No one even cares!

And the Executive Responce unit.. Sorry they are just as bad!

saphireblue 12/23/10 9:10AM
I've had it with CitiMortgage. The closer I got to paying my home off, the higher they raised my flood insurance and payment. Now I've borrowed the money elsewhere and paid my mortgage off and can't get my escrow money sent to me. All I've gotten is an escrow account statement, but no actual check. They sure didn't waste any time informing the city I live in that I was responsible for the payments now, but won't send me my money to pay them. I've called numerous times and been lied to about the check being in the mail. I'm ready to file a lawsuit against them to get my money. This company should be shut down for their numerous crimes against their customers.

kgedd51 12/11/10 5:28PM
Started a refi with a friendly processor. When forced to cancel loan process due to constant delays and Citimortgage's ineptness,
processor became a different person and became rude and uncooperative. Citimortgage refused to refund fees made to my credit card citing company policy. Has been hell trying to get someone, anyone, on the phone who was friendly and knowledgeable to help me in this situation. I will refi with someone else just to move my current loan away from Citimortgage. This company should be shut down!

Anonymous 12/10/10 12:33PM
CitiMortgage has defrauded hundreds of families who tried to participate in their modification scam. Same story, different day. We can never speak to the same person twice and been getting the run around for 14 months. They are now trying to foreclose on our house and we have NEVER missed ONE single payment. We paid the amount they gave us through this scam of a modification. These corporate giants have got to be held accountable for what they are doing to us Americans!!!
More misery in Missouri

Misery in Missorui 12/9/10 11:47AM
My experience with citimortgage was that they took money out of my account without my permission and said that they gave me a confirmation number. I had 276.00 of bounced checks on my account because of this and they deny it. And now I have to figure out a way to pay them and get caught up. Maybe we need to get together and complain to the President or someone. Maybe a class action lawsuit agains citimortgage. They doubled dip in a friend of mine account. And told her they would put the money in a fund.

cheated 12/8/10 2:22PM
I have been dealing with trying to get a loan modification from CitiMortgage for over a year now. Recently I just received a Notice of Default. On one hand they are sending me letters in the mail saying they are here to help and on the other hand they are sending notices of foreclosure. I have contacted the counselor "assigned" to my case 20 times in the last week. Still haven't received a call back. I am at wits end.

Emery 12/8/10 10:08AM
Why doesn't CitiMortgage letters show a person's name we can contact directly? This company is so hard to get a clear answer and you have no name to refer the poor information to if reporting an employee. We asked for a history of payment record and the girl said it would be sent in 7 days, but we have seen nothing, however, the girl cannot be held responsible for ignoring our request because they won't divulge their identity on phone or in their letters. No way to enter all the little red letters at the bottom.

Very Irritated in Lilburn 12/8/10 8:14AM
Complete scam artists on all levels of the corporate ladder! No accountablility, one person contradicts the other. Big Liars!!!!!!!!!!

smb56 12/7/10 3:50PM
All these stories sound so familiar. We were told a loan modification would be done for us with a 1 1/2 per cent interest for the first year and 4.75 after that. Of course, it never took place. They never finished it. They kept returning checks we sent for payment. They have "unapplied funds" listed on our bills, whatever that is. The modification went on for almost a year. Then, my husband was transferred for his job so we had to sell our home. In the pay-off letter, they asked for over $30,000 in additional funds. Wonder why Citi has a class-action lawsuit against them? Read through the lawsuit filed, and you will be amazed at the familiarity of the stories of these people and the almost 100 others involved. That is California alone. Can you imagine how many people in other states have the same stories?

VL 12/2/10 11:33PM
For the past year I tried to obtain a modification from Citi. I never received a written response or email or even call. I was finally told, after I called them a million times, "no." I went into foreclosure. On Oct. 15th I learned Fannie Mae fired Citimortgage as "service" provider and that on 11/1 I would be switched to IBM LBPS. On Oct. 30th I wired all funds due and owing to CitiMortgage. On 11/2 I contacted IBM LBPS and was told I was no longer in foreclosure, and they confirmed my payments were current. TODAY i discovered that even though CitiMortgage posted my $12,800 (all past due) payment on 10/30 they did not bother to advise their umbrella company CR Title that the account was current. Had they done so, CR Title would have stopped the foreclosure train. On 11/22/10 - a month and a half after I paid Citi in full and three weeks after Citi was no longer my service provider, CR Title recorded a "Notice of Sale/Auction" but did not bother to mail me a copy as required by law. First of all, they are not even my service provider any longer (THANK YOU GOD@!). Secondly, I have been current on my mortgage since 10/30 yet they recorded a notice of sale and published it in my local newspaper. My family has been living in this tiny town since the 1860s and it cannot be understated how very much I resent Citi causing the notice of sale to be published and read by everyone, especially since it is erroneous. CR Title confirmed today all the above. They also told me that on 11/19 they were contacted by my current service provider and were advised that I was current and not in foreclosure - so that same day they sent a Notice of Rescission of Notice of Default and Sale (and again, did not bother to send me a copy). The auction is still listed on numerous websites. All due to CitiMortgage's complete disregard for playing by the rules. They are completely arrogant and act as though they are above the law. They are by far the worst experience I've ever had, outside the death of loved ones. I have suffered emotionally, physically, mentally. I feel like I've nearly had a heart attack on numerous occasions. They are inept, irresponsible, unprofessional, criminal, lazy, corrupt, you name it. I simply do not understand how in the world they are still allowed to be in the mortgage business. I have read so may postings and blogs whereby others' experiences are even worst than what I've dealt with. There is only one small firm (Milberg) who is handling a class action? Why is there not a mega-firm interested in this very lucrative market? I really wish someone would jump on this - - I don't care if I recover a cent, I just want to make CitiMortgage accountable and to put THEM in the position of having to suffer, provide multiple sets of documents, be ignored, dropped, transferred online, to receive calls from the Phillipines and to speak to representatives in India.

I rue the day I ever applied for 30 year fixed, 25% down payment loan with Citi. I was gold and they have treated me like tin.

Disgusted in Caliifronia 12/2/10 6:30PM
CitiMortgage's corp. office is in Missouri.

Bombard the State Attorney General of Missouri, Chris Koster, on line or P.O.Box 899, Jefferson City, MO. 65102
(573)751-3321. MAKE YOUR VOICES BE HEARD!!!

Also file a complaint with the following:

Office of the Comptroller of Currency Customer: (O.C.C.) 800-613-6743 or helpwithmybank.gov

F.T.C. (Federal Trade Comm.)
877-382-4357

Citi CEO: Virkram Pandit
399 Park Ave
New York,NY 10043

Citi Executive Response Team
(636)261-7200

Keep Fighting!!! 11/30/10 12:31PM
for the last 2-3 years i have also experienced the same problems that everyone else has been through with these crooks.But here's where it gets better,i finally got my modification papers and citi can stick it up their rear.You guys thought their process was a scam,,wait till you see what kind of scam their modification documents are. To make things short, citi has no care for us and will never help you out no matter what. good luck all

Anonymous 11/28/10 10:48PM
Where to begin with our horrible experience with these CROOKS!!! My husband was in the Army National Guard served 2 tours to Iraq. He was always on active duty orders and he made enough money to support our family. I was attending school at that time. In April of 09 the New Mexico National Guard didn't extended his active duty orders so we had just about no money and we fell two months behind on our mortgage. He found a part time job. I contacted Citi thinking they had our best interest at heart boy was I wrong. Citi informed me that we could do a modification and that our payment would be lower and that the past due amount would be added to the end of the loan. WOW I thought this would be great. They set us up with a modified payment and we made those payments for several months. They never once said that it was going to affect our credit and that the difference was adding on and adding on plus late fees plus other fees they added. We sent paperwork and sent paperwork again and again. They kept telling us in was in review. This was August of 09 and we are still in review. We got served papers for foreclosure on our house. WHAT HAPPENED I have no clue. Citi informed us that it was ok that its in foreclosure there is no sell date. It is not ok because our credit is SHOT!! They also keeping saying its in review how long can it be in review. They are delaying and delaying so fees just add up and add up. I told Citi that I want this taken care of and I will pay the past due amount and continue but can't do that either for some reason. THIS COMPANY NEEDS TO BE SHUT DOWN!!!! THEY CAN NOT GET A WAY WITH THIS. WE HAVE TWO KIDS AND THIS IS THEIR HOME!!!! IF ANYONE HAS SOME IDEAS FOR ME TO DO PLEASE HELP AMANDA.. NEW MEXICO

AMANDA 11/28/10 2:41PM
First of all I am not sure of the exact actual time or date citi mortgage took over or bought out principal financial but judging by the comments there is a huge conspiracy with in the Organazation no matter the name of it. Which makes since. I asked a representitive of pricipal mortgage if there was any established programs to help a family through a forseen rough time due to a medical treatment for my wife. Now I stated it could be anywhere from 2-6 months before this procedure or surgery was going to make things tight or tuff for us. It was at that very time the advise and direction from the company rep to hold on to my current payment and send in my last 2 payscheck stubs. Totally misleading me to what this is for so I inquire about all my concerns including my becoming deleinquent due to withholding my intended payment. The explanation was they would look over my current income and offer from 1 -3 different options that could be helpful to me. THIS WAS THERE WAY TO BEGIN ME DOWN THE ROAD TO BEING 3 MONTHS BEHIND. I TALKED TO THEM SO MANY TIMES ON THE PHONE I WENT THROUGH EVERYONE THEY HANDED TO ME AS A SUPERVISOR AND I ALWAYS GOT A RUN AROUND AND SOMEONE PLAYING AS IF THEY ARENT CATCHING ON TO MY ONGOING FRUSTRATION AND CONCERNS... My Mother fallowed along and kept up to date and paid all three months up in one payment at the time they declared forclosure due to delequency. Now this was supposed to reinstate and finance or begin or whole procedure with them again. And even though you sign papers in front of a notery our signataure one of them being in blue and not black was there final reason for never sending our new loan package and moving straight to forclosure. I still want them to provide me with a home due to all the things that occured from this intoleratable way of scaming innocent trusting clientel out of their whole future. Now where to we get started getting back from citi mortgage or principal for act that cost us years of credit problems and all that comes with being deceived and taken advantage of.

Trully a once trusting customer who wants payed back for the deception and fraudulant way of handeling my mortgage loan essentioally in time it costs me everything. STILL SUFFERING FROM IT TODAY BADLY

The Natter ratter 11/28/10 6:12AM
I am going to write the White House about this, especially after a story was submitted to CNN News about how President Obama wants to see the working class be put out, so to say.... that the U.S. will only be rich or poor class! The is ridiculous! People homes are being taken away with no way to save them and allowing a CORRUPT corporation like Citi Mortgage to get away with what they do! Citi Mortgage lies upon lies! They have NO intention of helping anyone! They only will destroy everyone's credit and take their homes away! Plus, not to mention , if one has been in their home long enough after 5 years or more, if you are now in debt to them ....you just lost all the Equity in your house, because now Citi Mortgage has now stolen that away from you as well!

sylviam7 11/27/10 9:00PM
Yes! to TRALSMITH.... Citi is down right dirty and unprofessional in every way you look at it. They lie like no one else can, and make every excuse in the book to do what they do! This has got to be one of the most CORRUPT organizations I have ever had the misfortune to deal with! Trying to do a Modification , that they botched up the first time, then try to forge ahead with a forclosure all the while claiming they are trying to help and are now in the process of the Transitional Modification, they will no longer except money for payment, but will put you further in debt to them......truth be known, they can wrap up what is owed right back in to the existing Mortgage! They just want to throw people out of their homes, and give people bad credit! They are in big financial trouble with the Federal Government, called fraud and corruption! Today I caught them lying once again to me claiming they received documents that were not sent as of yet to them.... a gather a little ESP on their end, so to say for telling they are going to lie their way through anything just to get me out of my home!

sylviam7 11/27/10 8:27PM
Does anyone have an attorney of contact in State of Texas? I was told - after receiving CONFIRMATION of Loan Modification Approval that they changed their mind - lost paperwork - started over - and have filed FIVE times for my house to be sold. They won't take money - they won't return calls. It's ludicrous and I bet I'm not the only one.....anyone else out there?

TRALSMITH 11/24/10 1:42PM
I am looking at filing a class action lawsuit against Citi. I have been in turmoil for almost 20 months. I have over 200 pages of documents with no information being given to the me the same from any two people. One rep told me that "they are trained to give information - regardless of it being right or wrong - just to keep people happy.". REALLY!?!??! Customer service stinks. No return calls with any type of information.

TRALSMITH 11/24/10 1:40PM
I am in total shock reading all of the comments about Citimortgage as I though I was the only unforunate one to be caught up in the modification SCAM!!!! Due to a recent divorce, I thought I would be proactive in seeking information on a modification due to the change in household income. I have been in my home 8 years and NEVER had a late payment. I was told by a Citimortgagte rep at the NACA conf that I did not qualify as I was not behind in my mortgage. They advised a 90 day forebearance program that would qualify me for the modification program through Fannie Mae. They assured me I would qualify and everything would be complete soon after 90 days. The counselor told me to walk in faith. It is now 6 months later. I have made every reduced payment on thing as instructed, forwarded all of my documents in 3 times (i have proof of all) and what did I receive today???? A notice of foreclosure. Citimortgage has been depositing my money in a unallocated fund and not torwards ny account.I have called every day and spoken to numerous reps and I get a different story all the time. I worked hard and was pround of my credit ratiing that was over 720...Citi has ruined me. I now have a record noting 6 months of late payments and a pending foreclosure and still no modification in sight....SOME THING HAS TO BE DONE....I HATE CITIMORTGAGE...THEY RUIN LIVES.

SDS 11/23/10 10:15PM
We are going through the same stuff you guys are! We got the foreclosure papers that should not have even happened, even without notice before hand according to someone at citi, they have given us the run around by phone amongst other things. Well guess what, i am going to fight this all the way through, not just me and my family but for all of us that citi is screwing over! I am planning on going public with this! They have done so many illegal things, and enough is enough! We have proof of everything, names and all! I already sent an e-mail to the white house this morning. Now, i plan on contacting nbc in new york!!! They will not get away this!!!!!!! oh and also, there are NUMEROUS websites of complaints about citimortgage!! we are not alone and cannot let them get away with this!!

wifeandmominpa 11/23/10 12:30PM
Can you please tell me how my house can be in Foreclosure when I have paid off my house in full. Your customer service people are the worst. Sometimes you get to big for your own good and forget the job you are suppose to be doing. Helping your customers. People should bank with there locial bank. At least there they can go and talk to a human and not someone that hides behind a phone.

RKBKAB 11/23/10 7:23AM
We went thru the same horrible experiences, but got it turned around to our advantage with much hard work. I will tell you this, DO NOT GIVE UP!!! We applied for loan modification 02/09, completed 10/09 and just got them to reverse the negative credit status reporting this month 11/10. All in all, it took 20 months! We too were told, they lost our paperwork, 4 times resubmitted; we were approved, then denied, then approved again while we were instructed to make at least 4 different partial payments as they finalized the paperwork. We even spent a whole day at a NACA event that also dropped the ball; worked directly with a Fannie rep for Citi that assured us we would get approved, but talked with her once and had to start the process over and over again. We were approved, received the new contract, sent certified funds, got the paperwork notarized and sent back, at the same time recieved a letter we were in pre-foreclosure. Called until we could get a responsible person there who would do their job to work with us. Always, keep notes of who you speak with, date, time, name, ID#. Now write to the following, be it on line, mail or call.:
Citi Executive Response Team (636)261-7200.

Attorney General of Missouri/ Chris Koster
---Jennifer Zagoorac- his Complaint Investigaror. P.O.Box 899, Jefferson City, MO. 65102. (You cn google him on line and file a complaint thru Missouri State Attorney Gnerals office.

F.T.C./ (877)382-4357
O.C.C./ (800)613-6743 or helpwithmybank.gov

Contact your local congress person, there and in Washington D.C.

CEO of Citi/ Vikram Pandit: Write him.

Obtain an attorney to write Citi for you.

Did all of this and kept checking in with them time and time again, until the OCC and state attorney gen. got involved to make them responde and prove their actions. It does work, but it takes work to just constantly follow-up.

Remember to be polite, direct and firm, but most of all have your documentation to support your claims and DON'T GIVE UP!!! Go to the news if you have to. Email Susie Orman or Clark Howard, CNN or MSNBC. I have seen cases on their programs.

Next time you go to the polls to vote, VOTE FOR YOUR BEST INTEREST!!! Don't fall for the lies about government takeover. I am all for captialism, but not without regulation. This is why they are getting away with all that they are doing. Now we allowed all of their bought candidates who are mostly millionaires, who believe in coporation takeover to be in control of the House.(How profound!) Now these banks/corps. have trillions of funds in excess to merge and how will we fight back then. WITH OUR VOTES!!!! DON'T GIVE UP!!

DON"T GIVE UP!!!! 11/21/10 1:15PM
I have a mortgage with Citimortgage and the address we send everything to (for a possible home mod) is in TX. I will try to make my story brief..
2006 my husband lost his job for about 4 months. We got a bit behind but just straightened it out in early 2008. Then my husbands company went on strike for 14 weeks, When they returned to work they were making 1/2 their pay. After 3 months my husband re-injured his back. 1 week after he went out for his re-injury they closed his plant. (He hasn't been able to return to the job field and has applied for SSD)From March 2008 through present I have been trying to get a home mod. In January of 2010 I even offered them 80k to pay down my mortgage and adjust my payment accordenly. I begged for 5 months. The refused to refi us because by that time I lost my job...so we were both jobless. and they wouldn't home mod us because we had cash on hand. Since then I have paid off our equity loans. And taken care of some bills with my daughter's recent diagnosis. In July 2010 They actually started a modification. Now, I have been playing a game where they ask for the same paperowrk over and over and over again. Every week. It's a cycle. They call or write asking for paperwork. I call and tell them they have it, they look in the "system" and see it and then tell me not to worry about it. Then the next week it starts over again. I don't know where to turn or what to do. No one seems to know what is going there...Wondering if you could offer some advice?

jolyna 11/16/10 9:37PM
Anyone living near the CitiMortgage Headquarters in OFallon, MO (St. Louis, MO area) want to picket with signs warning people that CitiMortgage is stealing tax dollars? We may be able to stand on Hwy K which is a very visible to lots of traffic. Let me know if anyone is willing to join me.

Kate 11/14/10 9:02PM
The government owns a large portion of Fannie Mae, Freddie Mac, CitiMortgage, Wells Fargo etc soon all foreclosured homes. Nothing is being done to assist homeowners stay in our homes. To all that are waiting for the "Mortgage Modification" train. Trust me, your home will be purchased by the lender. Most likely, Fannie Mae or Freddie Mac. Anyway, you will be forced to move, your home will stay empty for a very long time. Taxpayers will pay for the home to get "market ready" landscapers, real estate company, taxes, insurance, repairs ALL expenses charged to the government paid by the working class. Multiply one home taken from one family by all the homes in the country that CitiMortgage has stolen. Millions of $$$. We all pay and the government doesn't care. We bail them out over and over. Big lenders run this country.
I lost my home although I paid every payment on time and at the final hour, I received a letter informing me that I did not quailify for the HAMP loan. Why? I have no clue. My home has set empty-not on the market-empty, since I was forced out in June 2010. I lost my entire life savings to pay my mortgage. It is never enough to satsifiy the CitiMortgage demon. Citi will steal your money and force you to move within one weeks time. Be prepared for a nightmare. Things do not get better in the foreclosure process. Kiss your lifetime investment good bye. It is happening to everyone. Your situation doesn't matter to CitiMortgage they lie, steal and cheat. They are heartless and greedy. Soooo Sad.

Homeowner No More 11/14/10 8:54PM
I am sitting here in total shock, we are going through the exact same issues that many on here are going through. We have tried no less than four times to get our loan re-modification done, and each time they have lost our paper work. We are now looking at our house being sold in March. We are so angry that we ever tried to work with them,someone needs to shut them down!!

Frustrated in Idaho 11/13/10 11:06PM
I agree with all of you above. Citimortgage sucks. I bought my home for $85,000 in 1996 and to date I owe them $140,000.- No way! - Lucky for some of you that can go to another Lender and refinance. I can't.- I just received a letter that they want for me to Deed them my property. No way, I'm already in the process of suing them. There is also a class action lawsuit in California. Contact me so that we can all get together and figure out a solution and get these A..holes out.-

Madame B 11/11/10 10:55AM
I had no choice than to take the family pets to a shelter. My dogs were older dogs and I know they will be put down. The kids cried as hard as I did! I hate CitiMortgage. This company is one of many that are creating a homeless, poor class in America although foreclosure could have easily been avoided. I wish someone or our government would come down on them. Sad...no body cares. Jobs continue to be outsourced and the middle class taxpayers keep getting screwed. I never dreamed my country would fail to pay attention to this huge scam. Hello, Mr. President, do you think the standard of living in America is better than most countries? The view from my home (a homeless shelter) looks pretty bleak. Oh, I forget, you are in India today sleeping in a plush hotel with 4,000 other Americans. How much is this trip costing Americans? My kids are hungry and our home was stolen from us by CitiMortgage. Sleep well President Obama. I am sleeping on a cold floor tonight!

Where is President Obama Tonight 11/6/10 6:11PM
I wish I were an lawyer. All these comments and no where to turn. A lawyer willing to work on commission would be very wise. If the lending scams are seriously investigated, a law firm anywhere in this country would be very successful.

Depressed and Homeless 11/6/10 5:58PM
Been trying for months to refinance my existing loan with Citimortgage.

The supervisor's explanation about my current Fannie Mae loan, previously originating with CalPERS and the general abiguity about why that makes me ineligible for the Refi Plus through HARP does nothing to help me understand what their guidelines are for HARP. I have done all my research on HARP and I would be one of the best candidates for refinancing.

But their loss is my gain. I couldn't be happier to report that I'll be taking my money somewhere else other than Citimortgage. Working with Citimortgage these past few months has truly proven to be the worst customer service experience I've ever had, and that is not what I would've expected from such a company that I thought would've held itself to higher standards. From being hung up on, to the runarounds, to the incompetent industry mortgage consultants and wishy washy responses to legitimate questions I had, I have nothing good to share about my experiences in dealing with Citimortgage. Will never, ever do business with them again. They just lost a client from their very low risk portfolio.

I found another lender through the Fannie Mae approved lender's list that was able to approve me for a DU Refi Plus loan in 10 minutes with the information I provided him. All this in less than 10 minutes, whereas it took me over 5 months to get no where with Citimortgage! Good riddance!

Anonymous 11/3/10 9:52PM
Anybody in Illinois dealing with Citimortgage attorneys' Hausellman, Rappin, Olswang? I am in the process of applying for a reinstatement with them and its been 10 days and counting and waiting for a letter. I have called them and several times and they say that they will mail the reinstatement information soon. Just want to know if anybody has gone through the process of reinstatement with this firm and how do they process them.

RS 11/2/10 8:17PM
citibank SUCKS they trashed my credit score and lied to me. As soon as I can dump these a holes I WILL! CROOKS!!!!!

Anonymous 11/1/10 3:26PM
I was told I dont have enough income to get a modification from citi morgage. I have been paying on time for 9 years. when I bought, I made 1800.00 a month. i had 2 kids and a husband. kids are grown. one pays rent, husband left. i get 1000.00 in income. and that is what they agreed to. i missed 1 payment and have not missed or been late since the modification trial began . they drug thier feet. i think it's because i'm a woman. diabled and alone. i want a GOOD real estate attorney. I will fight for my home.

norris 10/30/10 6:55AM
They put me into the modification program but came up with a payment that was $16 more than the payment of the original mortgage. Calling the number given in the paperwork only got me what sounded like a boilerplate answer - nothing could be done.

drjekyll 10/26/10 2:43PM
Perhaps this will elicit a reply.
It has been over 2 months since I applied for a refinancing. I have no debts, I have been paying my mortgage for 10 yrs with never a missed date or time, I have had no real response to my e-mails. I have paid when requested. I still do not know what is happening to my refinance.
As you can imagine it would appear to be a scam or absolutely no interest from your employees,

alexw13 10/26/10 1:51PM
I had flood damage to my home. My insurance company assesed the damage, cut a check and I sent to Citi for endorsement so I could repair my home. They told me they would release half up front to start the repairs and the remainder upon completion. This was a month ago and they haven't released a dime. They said they will not release until I have been approved for a home loan modification and I have made 3 new house payments. Sooooo, I will not receive my insurance funds for at least 4 months. When they had intially told me they would release half, I had the contractor start the work. Now he will not complete the work without payment (and I don't blame him). Therefore, I am living in a shell of a house and I tried over and over to explain this to Citi and they just don't give a S***. They just said the same thing-funds wont be released until March. Exactly how am I supposed to live????

Amy 10/21/10 6:40AM
Terrible company to deal with, I tried to pay off my mortgage with them, and they were very hard to deal with and get any pay-off info from, they refused to give me my "per diam" amount over the phone, and then charged me a $25 fee to fax the pay-off paper to the bank, I hate this company and will never deal with them again and am so glad that I am no longer with them.

Mistymodel1 10/20/10 3:14PM
Who is running this company? Can they sleep at night? Glad that my momma raised me to be an honest citizen who has compassion, ethics and strives to do the right thing. Who is Mr. Pandits'(CEO of CitiCorp) mother? I am grateful all Americans do not run our business the way Mr. Pandit does! Also, why is Congress on vacations so often? No wonder these crooked companies are free to rule the worlds economy without any regard or threat of being held accountable to government angencies. I would be in prison if I were CitiCorps' CEO.

Citi Forgot "The Golden Rule" 10/19/10 3:44PM
Attention Everyone Paying CitiMortgage.
Do Not Believe ANY information that ANY CM employee tells you. I have details in writing mailed to me from CM Headquarters that CM management refuses to honor. They may tell you your loan is in review, all documents have been received, they are "working" on your approval BAH,BAH,BAH.
They stall only to steal your money and allow the homeowner little time to react. They change the procedure, written docs, and notes in your file in case there is a legal dispute. A CM employee told me that CM does this on a daily basis. Demand every conversation in writing. Keep record of all details. I know from experience...the homeowner will always get screwed over. It will require years if the government seriously audits these lending scams. You will lose your home. It does not matter which employee told you differently. CM wiggles out of the true story and deposits your money, leaving your family homeless!
Taxpayers be prepared to dig deeper. CM has recently asked you for another BIG bail out. The fact that CM attempts to work with destressed homeowners is a Big Fat Lie. CM, Wells Fargo, Fannie Mae, Freddie Mac...no big bank care. They operate on taxpayers pocket. 14 days until elections. Down with Big Business.

Demanding Honest Lending 10/19/10 3:31PM
I sent letters to CitiMortgage Executive Response Unit and to the Office of the Comptroller of the Currency to report the scandal I experienced with Citi loan modification program. Citi mailed a letter in response detailing their side of my story. They wrote lies to cover their butts! The details outlined in this letter altered the truth or NEVER happened! What can the average middle class homeowner do to force CM to tell the truth. They have good lawyers and alter notes in your file to cover the scam they conduct each day. Vote in Nov 2010 to get rid of arrogant big lenders like CitiMortgage!

Hate Big Banks 10/19/10 3:13PM
This was the worst I've been treated in a long time, Citibank takes the cake the worst customer service, calls and emails were never return by Mangement (Mr. Morris)or customer service reps (Brian Jay May), issue never solved.

D Harris 10/19/10 4:46AM
Back in August my husband I a were current on our mortgage, our payments started out last September 2008 at 1400 per month and had gone up to 1550 a month by June. We were told we were 40$ short in our escrow account. Anyhow, due to the economy my husband who is self employed ran out of work and he was getting very little work on the books. We called CitiMortgage in August because we knew that our next payments would be really difficult and were hoping to qualify for the new government HAMP program. Our loan was 162,569.46.
When they finally called us back, we still hadn't made a payment late, ever. The lady said that they could cut our payments down to $800 a month for four months and in November we would be able to rework our loan then. We were so excited.

We paid every payment on time (stopped paying some CC's which stunk but we do what we have to). I started calling at the beginning of November and our case worker would not answer the phone or call us back. The week before thanksgiving I googled some topics related to this and found a different number. I reached a guy at CitiMortgage named Gary he was super nice and said not to worry he'd take on our case from then on. He also informed me that our house note was now 4 months behind and in danger of foreclosure. We had received notices but were told to ignore them every time we called to find out why we were receiving them. At first he said they had made a mistake and then he said that she put us behind on purpose. He called back and said they had reworked the loan it would be to us by the Friday after thanksgiving and we had to get it in by that Monday or else we would have a down payment. I asked him if this was part of the HAMP program because I was under the impression it was and he said no, that they do not do FHA loans in the HAMP program. I was stunned because our payments were exactly the same as they were before. We never received the paperwork and so I started calling him and he didn't get back with me for over a week. When he finally did he said we would have a down payment because we didn't get the paper work back by that Monday. I explained how could we when you didn't send it.

Anyhow, he said it'd be here the following week, this week. When I received the paper work I was so disappointed. I found out the $800 we had been sending in was never applied to the principle. The loan is now for 173,045.67. It has gone up over 10K!! They added $4656 for delinquent interest and 5819$ for escrows. Had we known in the beginning that this was going to happen we would have found another option. I feel trapped in this and I guess we have to do it. Our 1550$ payments are now 1548$. Our interest rate is now 4.75 which is good because it was 6.87. We were basically forced in to signing the loan agreement because we were told we were listed as being headed in to foreclosure. We had 2 days to get the documents notarized and sent back. I filed a complaint with our Texas Attorney General office and received a call from Citimorgage. The lady pretty much told my husband that's too bad you were misinformed. The following day we received a statement for our first "modified" payment and they had added late fees and delinquency fees. I called citimortgage and was transferred to the executive response team office. The lady was really nice and said how they handled our case was unacceptable and our case was under investigation. She would send all the info I provided to the caseworker. The caseworker called me and said that she would look in to what they could do. she called back and said they wouldn't do anything because we signed the loan documents. I told her it was under duress and a threat of foreclosure. She said that if we had not signed them they could help us. So we are left with this mess and a possible foreclosure anyway. They lied to us. The never told us they were doing this, now my credit is ruined and this is effecting my mental health.

Now, we are currently behind. The threat of losing our home is nearer now than ever before. If they had done as they promised we might not be in this situation.

disgusted 10/18/10 11:52AM
Oh my gosh!
DO NOT GO THROUGH CITIMORTGAGE when getting a home mortgage. They are so corporate and no one, i mean no one, is on the same page. I could go into such detail about our last 6 yrs of experience with this company, but it would be a huge read. Let's just say we are working on getting the heck out of that company....it's so awful!!

Anonymous 10/18/10 10:42AM
Has anyone been able to get a breakdown of the total of charges due on your CitiMortage account? Each time I call, I am provided with a different amount to pay each month!
The Citi Rep tells me "How was that total provided to you?" It is impossible to get the same answer twice. Doesn't matter what you pay, they foreclose anyway. Warning: Document EVERY phone call. Demand written notices, complete employee name and employee ID numbers. You will most likely need to fight Citi legally after you lose your home. Also, how is the total "past due amount" calculated? I have never been able to get Citi to provide details of late fees, legal fees etc on my loan.

SO FED UP! 10/15/10 2:37PM
As like many others my nightmare began back in 2008 with one skipped payment as i sent in the double payment the following month much to my surprise the month after that i was considered to be behind three months because they had applied it to intrest instead of the principle i called talked to someone that assured me it would be corrected the following month nothing had been done to correct it and i called once again even sending letters stating where i wante the money applied.needless to say i got laid off and had to skip another payment and then sent in another double payment to catch up i then was denied as they were not accepting my payments because i was in foreclosure and in order to make things right i now had to pay their attorneys 1500.00 along with another 6000.00 to be able to keep my mortgage.I hired an attorney one that i couldnt afford still cant afford and he contactacted citi and they then sent me modification papers i filled out papers sent them in mailed in the 3 months of modification paymentscalled and checked to make sure things were on track things were fine they said. Then to my surprise igot a letter stating that i did not send in all paperwork asked of me therfore i am not qualified for the modification and i still am in forclosure.WOW...iask them what payment needs to be sent in and they once again told me i could send no payment payments were not being accepted once again contact an attorney..I then recieve a letter from the courts stating that my forclosure has been dismissed without prejudice and the following month I recieve a statement with my regular house payment amount due and the back intrest and payments of 16,000 due upon reciept...ARE YOU SERIOUS......Not only have I called maitntained contact with all these customer service reps from god knows where but I have also contacted them through the mail as well as through an attorney..they have refused my payments more than two times given me the run around as to where i am in this forclosure process and they also have taken 1500.00 dollars for insurance that i all ready had in place because they cant find he documents i had sent them..to date the 1500.00 has not been re-imburssed and im at my wits end trying to communicate and find a solution to this issue not only am i upset but i am stressed and overwhelmed with this whole situation I and my family have lived in this home for over 37 years and its all i got and because of their lack of training or knowledge of the rules and rights of the people who pay their paycheck I have to lose..Where is the proper CHAIN OF COMMAND FOR THIS HIGHLY RESPECTED COMPANY.They put you on hold they never give you a straight answer and before you know it your in forclosure..ITS NOT RIGHT THEY ARE DOING SOMETHING WRONG HERE.They even told my lawyer they couldnt fax papers to him because it was a personal matter.when I asked them to furnish the cashed check of 1500 for insurance that they say they credited my account i have not seen or heard from them they all say the same thing we will get back to you mamm.What does a person have to do to get this stopped.This whole ordeal has and still is affecting my day to day life.Im so consumed to "IF AND WHEN ARE THEY COMING FOR MY HOME" IF YOU LIVE IN IOWA ID LIKE TO KNOW IF ANYONE ELSE IS HAVING THESE PROBLEMS AS WELL WE NEED TO DO SOMETHING...PLEASE E MAIL THE ATTORNEY GENERALS OFFICE DAILY THEY ARE ONLY GOING TO FIX WHAT THEY KNOW ABOUT. DES MOINES IOWA

SIGNED ,THEIR ARE NO WORDS TO DESCRIBE THE EMOTIONS IVE ENCOUNTERED DUE TO THIS PROCESS BY CITI MORTGAGE

MARNIE 10/14/10 1:05PM
Citimortgage is the worst at training their customer service agents to how to handle people and their financial issues. I dealt with one representative today about the status of my remodification loan and all she wanted to do is barade me with when I was going to make a payment. Then try to twist my words around which all I wanted to know is the status of what you are doing for me. I am current with my mortgage so put a sock in it when you are going to get your money. I answered the question yet it wasn't what you wanted to hear so you held my information hostage until I could commit to a payment today. How about just looking into what I am calling you about. When it is all said and done...I am paying you to do a job for me in the ungoldy interest payment I'm charged!!!!! You need to change the name from "customer service" to the "harrasment line". Can we get it together? If these are the types of people you are hiring to take care of me then no wonder why we as a country are in such agony with finances. It's okay to ask when people will be able to make payment. Once we give you an answer, move on to taking care of my call.

kaboogy 10/14/10 12:07PM
citi mortgage has given us the run around for 4 weeks regarding our flood insurance. We followed all the proper steps, had the surveyor out, did the fema paper work. They even admitted they had received the paper work and that they had 7days for us to receive something in the mail, then when nothing came we called and they said they had 10 days. After 2 weeks they said it was on the wrong persons desk. We got every excuse for 4 weeks. Finallay, we talked to a competent women who is taking care of it and "says" that our info in going in the mail tomorrow. We shall see. Get out of Citi Mortage if they are your mortage company or run fast away when you hear their name.

get out while you can 10/13/10 7:50AM
CitiMortgage will not return my money!Citimortgage returned my check along with a letter stating that I needed to pay the ENTIRE MORTGAGE BALANCE,no"partial" payments would be excepted. Meanwhile, I had already sent another monthly payment before this letter was mailed to me. CitiMortgage CASHED this payment. I spoke to the Supervisor of Customer Service asking "Does Citi want my money or not, I am confused." This Supervisor told me he would "try" to return my second payment but it was up to another department. I never received the second payment. CitiMortgage held the second payment over 3 weeks, cashed it and refuses to return it to me. My first check was returned, second payment was cashed. This makes no sense. My property is now foreclosed although I was making the payments I was supposed to make. In the state of Missouri, foreclosure laws are different than many states. CitiMortgage is foreclosing on States that have less legal regulations faster. Since the government is looking into the foreclosure scams in recent weeks,there will probably be less time for homeowners to react to the foreclosure notice. I suggest all the homeowners whom think they are in the HAMP program,start packing up,be prepared to movequickly. I was left hanging with little time to find a place to live. CitiMortgage makes the rules, homeowners loose. It is too late for many of us to regain our homes. Washington is starting to take notice ONLY due to the elections in November, 2010. In the past, Washington ignored the foreclosure scams. The November elections may help some but for many families, it is too late. The good news is that Washington woke up and need our votes. Vote all officals that support big banks, big business out of office. The middle class need to take control of Washington. The American dream has been taken from us by rich bullies that make their own laws.

Your vote can make a difference 10/13/10 7:12AM
We were 'approved' for a Modification 1 year ago, we have been making our 'Modified' payments ever since. We received a letter from Harmon Law Offices 2 weeks ago stating they are Foreclosing on our home on 10/18/10. I called Citi and asked why, they said we were denied Modification and the dept we were making payments to never should have taken them. I asked, then why has CitiMortgage been sending us monthly statements w/the Modified amount, she said "we shouldn't have been sending them, don't make anymore payments and we'll be sending all your $ back". I don't get it??!! I asked, why weren't we notified? Citi said "looking at your notes, I don't know why you weren't". OMG!! I have reached out to Frank's & Brown's office for help maybe everyone reading this should too. Sadly yours, The Foxboro Family"

The Foxboro Family 10/12/10 3:57PM
I see we are not alone getting screw out of the one thing we americans work hard for everyday.We got two months behind and wife called to talk to them to work some thing out.They never would give a total dollar amount with fees.They have now foreclosed on our home after 8 weeks of trying to find out what we owed.They were told we have the money to catch it up but nothing.We didn't even receive the certified letter that were foreclosing.Article ran in the paper and didn't know this till last week.If you can get away from S**timortgage due so quickly they have stolen my home don't let them do it to you!!Please vote to get changes to help the people in this country not just the businesses.You gave them BILLIONS!!Ihave my own money that I can use.PLEASE HELP US SAVE OUR HOMES!!!!!!!!!!!!!

NOMORECITIEVER 10/9/10 9:44PM
To hateciti dated 10/06/2010 All Citi employees will give you the run around. The people that truly want to help homeowners lack the autority to control your fate. Lost documents, wishy, washy answers etc. We all have been down that road. My home foreclosed without much notice. My HAMP loan was denied at the last minute although I quailified according to all agencies such as HUD, a CitiMortgage employee, credit agengies. Do not believe that your home is safe in any way! They lie all the way. You are in for a huge nightmare!

Lacy 10/7/10 3:35PM
I believe that is time that the Attorney General along with the FBI start a full investigation into the fraudulent activities of CitiMortgage / CitiBank. I believe they have found an alternative way to make money and are exploiting any loopholes they can to make money on the misfortune of US homeowners. The $700 billion that was given to bail out big businesses (i.e. automotive, credit cards, etc.) which came from us taxpayers is now being used against us. Like the original revolution of 1776, it is time to start the revolution of 2010. If the President truly would like to be re-elected for a 2nd term, he will stop turning a blind eye to this situation. If ALL of Citi's customers were not to pay their mortgages and/or credit cards, the bank would go bankrupt which is what should happen. They have exploited the American people, it is now time for us to exploit them.

the US consumer 10/7/10 12:10PM
***IMPORTANT**Just found out today from customer service at CitI Mortgage that their Mortgage Outreach Services (MOS) department is no more as of last weekend 9/2/10. Citi is doing everything in house now. If you are filing for home modification you now have to sign a Dodd-Frank release. I would call them immediately. I try to call twice a week to stay on top of them. Never wait a week. I already sent in over 40 pages of documentation they asked for in August. I had to resubmit some paperwork they could not find. Must be left in MOS. I asked the customer service rep when were they going to notify customers of the change. She didn't know. This is just a mess, but I am not going to give up. Finally found a contact that I can call directly, so I'm working with her. She seems to have compassion for this Citi mess.

hateciti 10/6/10 6:21PM
I have found that there product knowledge is limited.
There ability to help and understand a persons situation and how they can help is unacceptable.

captaintb 10/5/10 7:30AM
CROOKS and LAIRS. I am so angry, I would spit nails if only I had not sent my last dollar to CitiMortgage in hopes of preventing foreclosure! My family will be homeless soon. Sad that Citi has not been caught.

No Place To Live 10/4/10 7:53PM
Thanks to rsstoner. I sent an email to as you suggested. Great suggestion. CitiMortgage will be held accountable if everyone takes action. A CitiMortgage employee told me today that he hates his job and that he doesn't understand why I was denied the HAMP loan. A HUD representative also agrees that I quailified. Yep,Citi is foreclosing on my home in two weeks even though I am able to pay the modifified payments just as I have always paid. Crazy company!

victim of Citi in IL 10/4/10 7:47PM
Attention All Voters:
Remember to vote against any person running for political office that endorses Big Business-Banks-Lenders. CitiMortgage needs to be taken down!
November elections are coming soon. We need to take a stand. Let the government know our homes is a very important issue to every American homeowner. Action/laws need to be enforced to stop CitiMortgage. Foreclosures are taking place in record numbers despite all the money big lenders receive. The government needs to know each time CitiMortgage fails to consider working with a homeowner. My home forclosed due to CitiMortgage refusal to honor the arrangement CitiMortgage told me to pay. Let your voice be heard at the polls. I am voting for the very first time in my life in November because I lost everything I worked for when I lost my home. The middle class and poor have been kicked around too much. It is time to wake up Washington. CitiMortgage, Fannie Mae, Freddie Mac, Bank of America etc.need to stop stealing from taxpayers. PLEASE VOTE IN NOVEMBER 2010. Your vote may help you or your neighbor stay in their home. God Blessed America-Not Greedy Big Banks. CitiMortgage leaders need to move back to India. They are crooks and don't care how they treat Americans.

Josephine 10/3/10 6:28PM
How is CitiMortgage legally allowed to rip off and lie to homeowners? Citi Corp CEO's are two faced. In media interviews the CEO's tell viewers "We welcome Big Bank lending regulations and will follow government standards." Well, Mr. Pandit,cheating, misleading customers, and stealing was NOT part of the new laws imposed on lenders by the President, nor by any other administration in the past. You are a thief and should be forced to return all the salary taxpayers have paid to you in good faith. LIES, LIES, LIES. CitiMortgage has ruined lifes and has no remorse or concern for homeowners. Do not believe what CitiMortage service departments tell you. BE VERY AWARE OF YOUR LEGAL RIGHTS. Employees will tell you what they think you want to hear. Employees purposely stall the foreclosure process. They get as much money from the homeowner and will not tell you that foreclosure is the ONLY OPTION Citi was ever considering from the first day of your loan modification request. Citi employees are instructed to mis-lead and provide confusing information, requesting endless duplicated documents to be sent all over the country. (via Fax at your expense.) Homeowners whom call to verify the status of the modification process are placed on hold, transferred...so that when your patience your money runs out...Citi sends you a letter informing you that foreclosure scheduled to take place in a week or two. The government bail out money is grabbed as(a false attempt) was made to "work" with distressed homeowners." Plus, Citi assesses many additional fees to the homeowner-lump sum huge amount of $ that is not itemized. God knows how Citi arrives at the total due at this point. Whatever the homeowner paid, it is not sufficent.

All previous contacts and phone conversations disappear from CitiMortgage records. The homeowner is left with nothing.
CitiMortgage collects from bail out money, the distressed homeowner (whom losses everything) and writes off your home as a loss, forcing the taxpayer to pay to bail them again for the foreclosure-WHICH COULD HAVE BEEN AVOIDED FROM THE START. CitiMortgage does not work with homeowners. Forclosure is the quickest and most profitable way . Citi is screwing homeowners and laughing at taxpayers. It is a scam and nobody in Washington seems to care.J

William 10/3/10 6:02PM
citi mortage decided that i needed flood insurance, I had just bought the home less than four years ago through them, countless information, got me no where, they refuse to listen or respond to the issues, told them I've sent in all info to fema, paid for a surveyer, also sent them info I was 250' from AE zone , GOT NOWHERE AT ALL, JUST A PERSON READING OFF A PIECE OF PAPER, saying thats the way it goes.

Paul 9/30/10 8:50AM
They are totally phony. Do not trust or believe anything their rep's tell you. I have tape recorded all my phone calls with them for over a year and a half. Different personel all the time, except once for about a month. They lie, cheat, & steal from us, while getting Treasury money to give their top executives BONUS money. Thanks for absolutely NOTHING!!! Big Banks should be allowed to fail and make a Big Bang!

Glenn 9/28/10 6:05PM
We are currently in a refinance with Citi. We do not need to refinance but considering the overall state of the economy and the uncertainty of employment, it seemed like a smart thing to do. However, it seems like we are caught in a personality clash between two departments. The loan prcessor tells us one thing and gives us a person to call. That person says that there is no issue and everything is fine. Just yesterday, we received a Mortgage Committment letter. It instructed us to call the loan processor and when we did, she stated that she had no idea what letter we were calling about. The most upsetting thing about the process is our mortgage was already held my Citibank and we that this would be a slam dunk

harsu 9/24/10 6:08PM
I started a home loan modification program with Citimortgage at the beginning of the year. My credit score dropped from over 800 down to 676 and I was told I don't qualify for the program. But if I would like, they can enroll me in another program that will shave $78 a month off my near $3000 monthly mortgage and they are pretty sure they can get my credit score below 600.

alkdfjal;kjf 9/22/10 2:03PM
CitiMortgage customer satisfaction rate stinks! All victims of the home mod program need to go to milberg.com to review the class action suit currently pending. Also, contact HUD in your area and the leaders in charge of consumer financial/lending regulating agencies. Elizabeth Warren was appointed to head a newly formed government agency on September 17, 2010 by the President to protect homeowners from lenders like Citi Corp. Call or email the White House. It is very easy to do. The upcoming election appears to be working for all of us that are facing unfair foreclosure and lending scams. The fact that some Citi employees are voicing their negative comments is encouraging. It is only a matter of time that Citi leaders will be forced to come clean. Send emails or call elected officials every day. Fight back!! Elizabeth Warren is in Washington. Contacting her office is a good way to voice your concern.

Jancie 9/22/10 11:56AM
I am ashamed to say that in todays economy that I am forced to except employment from a company who has risen to fame by the defamation of it's customers. I'm sorry but we all have to work for a living...don't do business with Citimortage if you don't want to be a victim.

Shamed employee,
It's a dirty job but someone has to do it.

Desparate 9/21/10 8:51PM
Here's what an employee of citimortgage comment on HERE::::
I process loan in Citi Mortgage. If you people only knew Citi's feelings toward it's customers you would never do business again with my company.
Some of Citi's policies and practices almost fall in the category of theft. Someone like Geraldo Rivera could dig up enough story to win a pulitzer prize. All the good you see about Citi is all for show. This is the worst company I've ever worked for, ever!
Tinker Bell 4/8/10 9:43PM

SUCH A SHAME.... STOP CITIMORTGAGE NOW!!!!!

Tinkerbell's friend 9/21/10 9:55AM
Citimortage needs to be stopped!!! Please join the class action law suit to protect everyone from the loan modifcation scam. They are treating us like pets,seeing how many hoops we jump through before we fall flat on our faces. STOP CITIMORTGAGE!!!! CITIMORTGAGE is wrong!!! Poor customer service, no customer service, no communication, no options, no CITIMORTGAGE! SCAM....FRAUD, LIES and more lies.

PeggySue 9/21/10 9:51AM
These lenders are too powerful and it is a loosing battle for the average homeowner to fight them. CitiMortgage is aware of this fact. They do not care if people sue. The taxpayers pay the legal fees for them. Most homeowners give up the fight.

Give It Up-No Options For Us 9/20/10 4:06PM
Citimortgage is AWFUL....I've been involved in the process of loan modification since February 2010. Not one person I ever spoke to there seems to know what they are doing.

I finally just gave up, took out a loan to pay the difference between what they had been taking out of my checking account for my modified loan amount to what my loan originally was......I believe this whole "modification" thing is a HUGE scam for the mortgage companies.....they were able to legally charge me late fees and penalties for each month i was enrolled in the modification program, even though i was making the payment on time.

lzimmerman 9/17/10 9:39AM
I am in Chapter 13 BK and have tried to short sell my home this year. I have a 1st and 2nd loan with CitiMortgage, the 1st has been dismissed under BK protection, the 2nd was stripped through BK and included in my repayment plan as an unsecured debt. When I fell behind in payments, Citimortgage contacted me and encouraged I short sell my property in lieu of foreclosure. They even offered an incentive to pursue the short sale. I asked the representative if the short sale would be on both loans and I was told only on the 1st since the 2nd showed as a "charged off" debt in their records and would not pose a problem. I agreed to short sell, found a buyer within a week of listing the home. Buyer was making arrangements to move, I put deposits on rental property and 2 weeks prior to closing, Citimortgage informed me I had to obtain BK Court permission to short sell both loans. I contacted my attorney who indicated I need to obtain tangible documents from Citimortgage stating they were approving the short sale, of which Citimortgage was reluctant to provide. I received a call from the negotiator who told me the short sale was cancelled for my failure to obtain BK approval.

I am sick of these people, I don't think they know what to do in these complex situations. I then called their loss mitigation department and asked they accelerate foreclosure of the property! They were shocked but as I told them it was their fault I was making this request. I was not going to lose thousands of dollars in deposits because they couldn't provide a sound investigation report earlier in the short sale process on what was going to be needed to execute the deal. I hate working with these people.

And to add salt to the injury, a few weeks later, I received a letter from a new servicing company stating Citimortgage had sold my loan to them!!!

Lyoness55 9/16/10 11:23AM
In the past month I have received 3 - 4 phone calls a day from a 636-261-2484 asking for a person who had my phone number a year and a half ago. I have called Customer service three times who have promised to take the number off. I have told every agent to remove the number. I just received yet another call five minutes ago. Can I sue them for harrassment?

Anonymous 9/15/10 6:33AM
I don't know why the Federal Government bailed out a loser/scamming/rip-off company like this one. CitiMortgage took escrow payments faithfully and NEVER NEVER paid on time causing late payments. I called to ask that they cancel my escrow account and was told they could do that with the exception of Flood Insurance (have letter saying they were required by FEDERAL LAW to maintain escrow for flood insurance.) Lo and behold, I received a letter today stating that my flood insurance needs to be paid and is required. WHAT?!?!?!? A call to a "customer service rep" (obviously outsourced) told me that I have no escrow account. I'm TOTALLY FED UP WITH THIS COMPANY AND WANT TO DEMAND THAT THEY SELL MY MORTGAGE! BTW, my original mortgage company handled my escrow/tax payments seamlessly and within discount...until they sold TO CITIMORTGAGE!

Woodsy 9/13/10 4:25PM
Citimortgage is the worst ever! Same with us as with so many of you. We were given a reduced payment only to have foreclosure filed on us. Then they told us if we paid the full mortgage for 4 months they would do a modification. We did that and now it is like they have closed up shop. No returned calls, different story from different people, being told different things we need to do......just getting strung along. So we contacted an attorney who said we were one of several people that had called him regarding Citimortgage. He said to stop paying now and walk away. We are moving in a month or so. He said they are double dipping (or even triple) by saying your loan is deliquent, filing for the bailout money, taking your money from you for the next year or so and then filing foreclosure. And then if we filed a class action against them they would just file bankruptcy. I do not think anyone is going to succeed with this diabolical company but good luck to you if you are still trying. I long for the day that they collapse and some of the top goes to prison. That is my hope and dream.

southernbelle 9/12/10 12:48AM
To Bal:
I filed a complaint with Fannie Mae too. A current employee of CitiMortgage told me "Fannie Mae allows Citi to do want they want with their loans. Fannie doesn't care." The lady I spoke to from Fannie Mae was not interested and basically told me so. She also told me "Fannie Mae doesn't control CitiMortgage and doesn't follow the home mod programs." I said WHAT, this company is causing foreclosures although the loans were supposed to been modified at a reduced rate?
There is no reason we should be losing our homes. She (Fannie Mae employee-from India) did not respond. End of conversation. You see, Fannie and Freddie Mac have already reported a big loss for the second quarter knowing it was headed down the foreclosure path on thousands of homes. We need to voice are concern toward the White House. Congress is aware that this is happening but since these lenders are so huge, they do not want to scold them. You're right, it is a no win situation. We all have experienced the same situation. Fannie Mae and CitiMortgage rule because they can.

Debbie 9/11/10 5:29PM
I am in the middle of a fight with CITI that is a no win. I have made the adjusted payments they requested every month for 2 years. Now, they have made the claim that I did not qualify for the assistance program. They started the foreclosure action without notification. By the time I learned what was happening I had 3 days to respond. I have spent at least 15 hours on the phone dealing with thier shell game. They are essentially thieves, they lie, practice deceptive actions and fail to live up to what they say. They do not let you thru the maze of phone banks. I plan to sue them and will not let up. I have filed a complaint with Fannie Mae on them and this is just the start.

BAL 9/11/10 8:59AM
We have a home mortgage thru Citi Mortgage and in foreclosure status as we speak. Our home is set to sell the first Tuesday in October. We have called the attorney several times and cant seem to get them to return our calls and Citi Mortgage is absolutely no help at all, in fact they makes things worse!

It all started in March of this year. We were behind because of a job loss but made payment arrangements with Citit Mortgage and was on the road to recovery. Citi Mortgage took out an authorized payment from our account, but then took out another payment in error without permission. We called them several times to get this payment refunded and were told all that we needed to do was to send a bank statement to prove this duplicate withdrawal. We had sent this bank statement seven times before they admitted to receiving it. We were told repeatedly the money would be in our account within 72 hours along with any NSF fees that we acquired. After numerous phone calls and faxes we did finally receive the duplicate payment refund in May (2 months later). However, the NSF fees were not refunded as promised. The NSF fees were a little over $1000.00. There was no way that we could pay our agreement because they overdrew our account and they really sent our account into a tail spin!

So now they are saying again that they haven't received the statements and we have sent them again several times, once by certified mail with a signature proving that they have received it. So needless to say, we still haven't received the NSF fee refund!

In the mean time we are trying everything we know to make some sort of arrangement with them. Citi Mortgage says that it shouldn't be a problem, but we will need to contact the attorney handling the foreclosure. However, we always get voice mail with the attorneys office. We have left many messages, but he will not return our calls.

I have a folder full of every person I spoke to, the dates and what they told me. I also have numerous fax confirmations showing the faxes had went through and the slip showing a signature of them actually receiving the statement via certified mail.

We were trying to find someone to contact directly of a higher rank on the Internet and ran across thousands of complaints with Citi Mortgage with our exact issue! I'm beginning to wonder if they are just scamming people to take their houses because it certainly seems that is what they are doing to us!

I seriously have no idea where to go from here! I have tried everything that I can possibly do to get them to help.

Marion and Chris 9/9/10 10:08AM
How does CitiMortgage get by with the lies they have told so many regarding the home modification program? This company is moving to India. Top management does not care that Americans who can actually pay their mortgages, whom are losing homes to foreclosure. CitiMortgage refusal to consider any other option than foreclosure. I did not think lenders were legally allowed to steal our homes without paying a price. Large banks created the weak economy,years later...nothing has changed. I am going to stop using banks. I will pay cash and bury a jar in my yard...until the foreclosure is finalized.

dontlikebanks 9/9/10 10:05AM
I have had bad experiences with customer service for the last 2 years....do not listen,do not help,do not provide information.
They just take money ...and add fees when ever possible.Since Citi bought out by you guys...you lost or do not include my letter of authorization to speak to me....which really creates problems....what the hell is a delinquency fee....they could not answer..in fact his operator number is 20128
whether that is the truth or not...his name is Charles....Charles and his whole staff basically "suck"...i have learned to dislike Citifinancial...and will do all in my power to get rid of you as a Mortgage service provider....never been treated with such dis respect...my n umber is 352 817 1470...but of course no one has the guts to return a call...as Charles said we just take money from any source...but we can't talk to you without letter of authorization....and Citi does not make outbound calls....I have been paying this Mortgage long before you guys took over...Now i can't speak to anyone.
I will tell people hoe bad you are ...truly.

Tarn Thompson 9/8/10 7:08AM
STAY AWAY FROM CITIMORTGAGE!!!! They should be stopped for conducting such unethical practices... I too have been working with them for almost two years now. I have been removed from the modification program for not having all the documents in. The fact of the matter is that had everything they needed. Each time I called I asked for a supervisor and then their supervisor. No one could answer my question. I don't know how they can look in the mirror each morning and feel good about themselves.... Shame on you!

Anonymous 9/7/10 4:08PM
To Kate:
You like the rest of us are going to face foreclosure. CitiMortgage is giving you the same run around because they are not even trying to work with any home owner. Get prepared to legally sue or be homeless. The big lenders have already claimed big losses so the government (taxpayers) will bail them out again. You are fighting a losing battle if you do not file legal again. CitiMortgage employees have told me the leaders do not care about home owners. We all share the same story. This is the reason you need to contact every source possible to report this scam.

Lucy 9/5/10 8:38AM
I've had an absolutely terrible experience with Citi Mortgage. For the past 11 months I have not been able to recieve a straigh answer. I have documented every conversation and every time I call I receive a different answer. They are telling me that an underwriter is working on my case but not able to give me a name or a date of completion. They have put me on trial period, but than without notifying me denied me of the HAP program. One of them told me that they are trying to bypass Obama program bc it has many redtapes so they are doing me a favor and putting me in traditional program review. Then they put dilinquincy in my credit report even though I've made my payments on time. Again they have notified me of declination a month later after declining me. I wasn't even aware that I was to start making regular payment. I've called them on daily basis and all I heard was continue making trial payments and different reasons for why they declined me.
Currently my credit report is ruined bc of them I can't refi I don't have modification approval. I am lucky to have people help me make my payments. Citi will get people to foreclosure instead of the opposite. I think this is what they are trying to do.

kate123 9/3/10 1:10PM
Tim and Tammy: First you need to send a RESPA certified letter to CitiMortgage Inc. This is very important. Mail to: Attention: Executive Response Unit, 1000 Technology Drive O'Fallon, MO 63368. (Sample formats of a RESPA letter avaiable on line.)
Mail letter certified requesting a return receipt for your files. Also,document every phone conversation, date, time, employee name and number. Keep records of all topics discussed and write down details of EVERY conversation. Also, DO NOT move from your home because homeowners have legal rights!The lenders trustee assigned to over see the property may attempt to bully homeowners. Do not accept any options offered. Citi will be required by court order which allows you more time to pursue legal action. The court order also involves additional expenses for lenders. Their goal is to offer to "pay you to move" out a.s.a.p. as foreclosured homes lose value the longer people stay in it. (Generally, as people tend to trash the home.) Be prepared to move by moving possessions not required to stay in your home. Your belongings cannot legally be placed on the street without an offical court document. The Truth in Lending laws and additional laws enforced to protect home owners are Federal Laws so it is difficult to find attroneys that are willing to work with foreclosures-without charges large fees.
Most will speak to you if you have general questions briefly over the phone. There is a Class Action Law Suit in process filed in May, 2010. There are also news reports and WhistleBlowers speaking up on the behalf of homeowners. Do not resign to becoming homeless easily. We acted in good faith and deserve to be treated fairly and with respect. I am not an atrroney but have done considerable research and have made many other connections with so many experiencing the same issues.

Lenders are foreclosing in record numbers months in hopes of receiving more bail out money from the taxpayers. Fannie Mae, Freddie Mac already reported huge losses due to foreclosures. Dahhh...If they would offer options to current homeowners, we would gladly keep our homes! This is a big scam. Sad thing is...the consumer will pay for this mess again. Big lenders run America. Washington is slow to get invovled so homeowners are forced to face this demon on our own.

Larry 9/2/10 10:30AM
I have been going through the same as all of you. My modification started on 6-09. i was denied on 8-17-2010. they say i owe 5400.00, payable on 9-6-2010 or they will start foreclosure. What do I do? Fight back! I'm not sure how yet, but I will find a way.

Tim & Tami Combs 9/1/10 9:37PM
The nose attached to CitiMortgage is growing longer each day as they foreclosure on Americans and continue to outsource Citi jobs to India! President Obama take a strong stand against this huge scam. Americans deserve better treatment. We acted in good faith, CitiMortgage is a big fat criminal. Send e mails to the White House, major newspapers, TV stations, Congress, everyone who will be running for an elected office. We have been pushed around enough.

Ashley 9/1/10 7:58PM
Keep faith that united all CitiMortgage victims will prevail. Remember "The bigger they are-the harder they fall. Its off to court they go, go, go. The "New Citi" CEO (Vikram Pandit) must be in a coma to not see that his future is going to be similar to Ernie Madoff. Big banks cannot be allowed to continue abusing power. File Class Action Cases and individual law suits. Also, stay in your home. Your legal leverage is reduced if you move out before receiving a court order. Fight back and stay strong. Homeowners have legal rights,join forces to get laws enforced. God will bless America again.

the truth will surface soon 9/1/10 7:39PM
I am a Citi 2nd Mtg holder and I am discusted with the poor service that I have received from Citimtg. I have been waiting on a modification, that they told me that I qualified for in December 2009 and now they just told me that they charged off my account. I have sent paperwork, after paperwork to confirm my situation and I kept in constant contact with the bank. I am now going to have to seek an attorney

Anonymous 9/1/10 1:17PM
As I listen to Citi's CEO it makes me so sad as I have been lead on and I believe I have been scammed by Citi. For a year I was told I met all the qualiifications for the HAMP Program. I was widowed my income was significately lowered as a result. " Mrs Sabo you meet all the guidelines we are behinded in the paperwork just keep making the payments and keep calling"
How can you tear up my life and the lives of so many be honest. You should have told me from day one that you had no intention of using the goverment funds for the home owners in need. YOU LIED!!!!

Scammed 8/31/10 8:04PM
Go to www.milberg.com if you have had a bad experience with Citimortgage. Click on New cases to review infomation on Citimortgage Class Action Law Suit.

THERE IS A GOD THAT HAS HEARD OUR PRAYERS

Shirley Monroe 8/30/10 4:37PM
Hopefully, someone associated with a government or legal authority will view the site and help thousands of home owners losing their battle with the powerful Citi Bank. Is anyone interested in making millions of dollars by exposing this unjustice to the whole country? I wish I had the legal knowledge to fight this terrible situation for families at the mercy of such crooks. Ennie Madoff is paying for his crimes. Keep believing that Citimortgage leaders will go to prison someday for ripping off America!

Stop This From Happening 8/30/10 10:30AM
Citi Mortgage purpose is to confuse, mislead and lie. Employees are instructed to tell mortgage holders that their loan is fine, although they are aware that foreclosure is in process. Paperwork is lost and information is not provided. They leave customers on hold forever, transfer the call, only to disconnect the caller desperately seeking assistance. Stop this illegal company. String the CEO's up and force them to answer to higher authorities.

superman 8/30/10 10:21AM
This is the worst company and the most powerful company I have experienced. Citi Mortgage need to be held accountable for stealing and unfair practices. Where are the auditors, how can this be legal? I lost everything I worked for and am 56 years old. Am I supposed to just kill myself because my government cares more about supporting BIG business and going on one extended vacation after another more than doing their job we elected them to do? Unbelievable!!!!

Lost and Homeless Now 8/28/10 5:27PM
Citimortgage makes its own rules. I am one of millions who have had a terrible experience with this company. They never follow through with their procedures and lie! Whare is the regulating government agenies in this home modification process our Pres. assured us would monitor large banks!! I too could write a book detailing my nightmare with Citimortgage for the past year!

We all need to stand up and sue. Go to the media, picket Citimortgage, contact elected officals to tell your story. This is criminal, a class action case is warranted. Most of Citimortgage leadership, and many employees are from from India. There is no loyality to the US. Also, I know of several people whom have received home mods, preventing foreclosures AFTER they contacted the media! One person CAN change this tragedy for many others. The same rules should apply to everyone, Citimortgage, Fannie Mae etc. DO NOT want to attempt to work with people to keep their homes. We have no other choice than to stand up to these bullies! Contact me at nancypullum@aol.com. I am committed to confronting this huge bank in a legal procedure. Let your voices be heard. The taxpayers paid to bail them out. Citimortgage needs to answer to Washington for their crimes against home owners. PLEASE DON'T ROLL OVER AND ALLOW THEM TO TAKE AMERICA TO INDIA! We can help many other families from living in the streets. Congress is not going to act unless we join forces. This is an election year.

FED UP AND NOT GOING AWAY 8/28/10 5:11PM
I called Citi to get a reduction in my interest rate, which was 6 3/8% and the current rate at the time was 5 %. Citi bought my loan from another leder, I also had over a 800 credit score... Citi told me I qualify for a Modifacation. We started with the "wonderful" HAMP program and got strung along...went on this program for 1 year Citi telling us "You are in the final Stages Of your Modifacation" Now we find out our payments were considered only partial payments and we got a default letter...we were paying what they told us to pay!!! Then they told us that we did qualify for a Citi loan modification... NOW my principal balance went up again since we were paying what they told us to pay on the Feb contract...now we hired an attorney since our credit is destroyed even though we pay our bills. Class action is a waste of time and money...letters don't get you anywhere.. Did this process twice, I am getting calls 3 times a day 7 days a week harassing me that I am deliquent when I am on time in a Modifacation. Yes, our principal balance is still going up and our credit going down...even though we make payments.
Now I have been in second modification for over 10 months and have done everything I was asked to do. I sent in 400 of the same documents, paid all trial period payments, bend over backwards and short of sending in my first born child. I am still getting calls from Citi Loss Mitagation telling me I am past due when I am not.

nyentco 8/27/10 6:35AM
Citi mortgage took out a double payment on July 15, 2010. I paid July's mortgage payment online and their online system took out two payments. Cuasing numerous checks to bounce. They returned one payment and then my bank returned the $2389.00 check which I did not know. 2 weeks later citi reverted 5 payments causing a false sense of being late. I called them numerous times and was put on hold disconnected and was hung up on 5 times. I spent 5 hours on a Saturday trying to figure out this mess they did. They finally figured it out on the 27th and I Immediately paid them what I owed them. I talked to three difrent people and they said it would not go on my credit report and they did put it on my credit report. I faxed a letter to customer service and the printout that I was never late and they refused to take this off my credit. I have disputed this with the credit bureau. They told me to try calling them again I did last night and was on the phone for 3 hours and got disconnected. We should all get together and put a class action lawsuit against them. I have never been late on any payments. They caused my credit score to go down 30 points.

justine 64 8/26/10 12:37PM
This is one bank that the government should take control of - Same issues with loan modifications - has been going on for over a year- just sent them a certified letter today and also to The Office of The Commissioner of Banks in NC- Complaint-

NEVER IN MY LIFE HAVE WE HAD THESE KINDS OF ISSUES!

THERE IS NO EXCUSE FOR THIS-

Anonymous 8/26/10 10:28AM
CitiMortgage solicited me for modifcation and then denied without explanation. I am currently going to sue citiMortgage. they as a result of putting negative credit rating on my account, my FICO score is low 500 prior 784. The goverment officials know exactly what is going on.

Lets Get Together 8/26/10 10:16AM
We have been lied to cheated .We are in our 60's and my husband work for himself . I am unable to leave my home due to illness. Citimorgage told us we qualified for a " home modifacation loan ".They've had us running around in circles since the first of june. Just like everyone else they never returned our calls, never sent our packet.NEVER talk to the same person twice.they took us right up to the action day ,asked my husband (while he was on a job and his cell phone) to give them our bank acct. number so they could take out a payment and stop the sale.THEY took out the wrong amount , but sent an email with their exceptance and said we would have to make 4 more regular payments , while they worked on our MODIFACATION PACKET AGAIN. We made another payment they excepted ,3days later we got a call from our lawyer saying that our first payment was short $155.00. It was their mistaked .They simply call it a missed payment ,because it was short.and guess what "YOUR HOUSE GOES TO AUCTION IN ONE HOUR." the story goes on and on but in the mean time I put a complaint to the state regulators " Department of Corporations " and got a responce in 24 hours. if we can get a bunch of people to do the same ,Maybe we could get citimortgage to straighten out this mess. go anywhere you can to complain.PLEASE! we need all the help we can get.

broke & almost homless in CA. 8/24/10 10:48PM
I also had a horrible experience with Citi. I was late due to loss of employment. My husband is still employed. I injuired for loan modification, was denied due to my husband didn't have enough income. We tried 3 times and with no help. I looked for employment with no luck. We got behind 5 months. Husband took out a loan with 401k and tried to pay what we owed. We called citi to arrange payment and they stated to call the lawyer. Lawyers office stated call citi. This went on for a month. Only when I said forget it I'm going to go to court and ask the judge for a extension so I can sell the house. They citi talked to the lawyer. Which is the law firm Hauselman, Rappin & O;swang. They still game me problems but finally took the money. They wanted to keep my house. I am going to get a lawyer. I will keep in touch and see how this works out. What happen to the help that the government so promised. I have had my house for 12 years. I am not irresponsible, but unemployed.

Anonymous 8/24/10 5:20PM
Do not do a loan modifacation with this company. You will not get any help from them. After being forced to take a 1/4 point reduction in my interest rate, my payment was raised back over what it was befor the modifacation. My taxes lowered, and my insurance was lowered by me, but they still raised the payment claiming there is not enough in my escrow. I questioned all of the above and still get "we will call you back in 3 to 5 days.

reiter 8/24/10 3:47PM
I was told by a Citi-Mortgage rep that if I signed a loan and paid a few payments I would become eligible for a loan modification with a 2% interest rate. i was assured several times by their rep I would recieve this loan modification. I signed paid a few payments even though my payments went over $50.00, (to what the contract stated), before I even paid the first payment. I filed a complaint with the comptoller of currency and was contacted by the rep from Citi Mortgage that had originally assured me of the loan modification. She said she would work this out with me and not to worry. She never caslled me back or returned any of my calls to her. i am now in foreclosure and found out that by signing this agreement they charged me for loan interest on the first loan on this property that had gone completely thru the foreclosure process. It as sold at the sheriffs sale and should have been terminated at that point( the first mortgage). They deceived me into signing this mortgage (while I was on unemployment, which I told them) and now I ned help to stop thjis nonsense.

biff and joy 8/23/10 6:14PM
I applied for the HAMP program in 08/2009 after I was told that we qualified. We had never been behind in our payments and our credit was excellent. Long story short Citi did not communicate with us, lied to us, back dated documents and computer files to cover their asses. Like so many others we did everything that was asked of us only to be treated very poorly by their parade of stupid customer representiives.
Absolutely the worst I have ever been treatd in my life. I wonder how many ways these bloodsuckers profit from destroying lives? Is Citi making money on credit default swaps? I wouldent doubt it. Anyway we had to sell everything we had to get current after Citi denied us for no reason and sent us a defalt notice. We are now current on our Mortgage with ruined credit thanks to these creeps. Yes we will join any class action suit we can find.

Screwed By CitiMortgage 8/20/10 4:58PM
I too have had my problems and emotional breakdowsn thanks to CitiMortgage. We need to fight back. The Loss Mitigation turn my file over to a lawyer without giving me an opportunity to pay some of the past due amounts. I had to reapply and each time they come up with a excuse on why we can't finalize it. I believe they are delaying this so my house can be foreclose on. Is there any lawyer out there who can help us. I live in Texas and need help.

TexasOwner 8/17/10 7:13PM
I got behind on my payments over two years ago when I lost my job. I was able to get a new job shortly after and tried to arrange to bring my account current with Citi. They kept changing the terms of the plan and losing my payments. I finally received a foreclosure notice. From there I tried to work with them on a loan modification. I was promised several plans and each time would pay as ordered only to learn that they would have to redo the plan for one reason or another. Each plan had me paying a certain amount for 6 months at which time a balloon payment would be due. I was always promised that a loan modification would be worked out before the balloon payment. It never was and the foreclosure kept moving along. After one call where the rep told me, "oh, someone forgot to hit the button that said you verbally accept the loan modification so we have to start over." , I decided to file suit against Citi. In discovery I demanded all the "recorded" phone conversations, (keep a phone log), and names of all the people I spoke with and addresses so they can be deposed. Three weeks after filing the suit I received my loan modification.

I made my first payment by phone. When we went to make the second payment they refused to accept it stating my home was sold at sheriff sale 2 weeks ago! I verified that no sheriff sale ever occurred or was scheduled but can not get Citi to do the same. they just tell me my aaccount is now closed, my home has been sold, and there is nothing they can do! The attorney who handled the foreclosure for Citi and arranged the loan modification can not help. His file is closed and a mutual dismissal was filed. I am unable to get a manager to call me back or the address for the legal department!

Does anyone have any corporate officer contact info or info on how to contact the legel department.

Anonymous 8/17/10 5:20PM
Applied for Home Affordable Modification Program. Trial period was affordable and lasted 7 months. We were finally approved but at a much higher rate - only $200 less than the mortgage payment that we couldn't afford. We are on Social Security which does not have tax withheld but they couldn't understand that. They kept saying they had to add the tax back in that was kept out when our check were sent to us. They insisted they were right and refused to alter their figures.

Anonymous 8/16/10 11:30AM
To those of you that feel jerked around you have all listed the reason why you are being jerked around without even know it. Your credit was too good and your interest rates are already at a level that Citi cannot make money by modifying your loans. They ( Citi) only have to lower your first mortgage to 30% of your gross monthly income and on top of that if they can make a case that you are beyond hope they don�t have to modify at all. While unethical and downright sleazy Citi is not stupid if they don�t want to modify a loan they are allowed to �Review it� for a extended period of time, it doesn�t take a neurosurgeon to figure out that an individual who is unemployed will with certainty face a deteriorating financial position. Once they reach this position they will be able to itemize this borrower to a position of without a reasonable chance of recovery.

Citi A Company without a Conscie 8/16/10 10:02AM
I started the loan modification process in May, 2010 with a Consumer Credit Counselor's help. I was told I requalified for the HAMP program at Citibank, the rep said my payments would be $661.00 with insurance and taxes rolled into the new loan modification I sought this help because I was unemployed. A rep came to my house we went through each stage of the compliance package and I sent back the package. I was told it would be 30 days for a decision. I never got that decision. I was asked to fax the same paperwork 5 different times costing me $110.00 to fax the paperwork. I was then told by the processor of my paperwork on 5 different occasions that a new program UP was in the works and I would qualify for that program. My mortgage is current and I was told I don't qualify for any programs because I'm unemployed. A rep told me to go into arrears to qualify. Underwriting turned me down even though I received email and text messages telling me I was in the final stages approval. I have called numerous times. When I told a rep I would qualify for the annciliary program of HAMP called UP, he asked me to read the federal bill to him over the phone and said let me as my supervisor what "annciliary means" or maybe I should go on dictionary.com. I have reached out to Citibank for 5 months and don't know what else to do. They advocate on their website they will help you but this is not to be believed. They actually laugh at you on the phone. It is the worst experience I have been though.

Anonymous 8/16/10 8:35AM
I applied for home modication in May of 2009. They told me I qualified to skip one payment to be added to the mortgage and a reduction of 16 dollars monthly. For a year I went back and forth with the company about paperwork. Finally in April 2010 I was told that all of the paperwork was received and with the underwriter. I received a text message the first week of August stating that I was approved. I reviewed my account online which also stated that I was approved. A week later I received another text message stated that I should receive a home solutions package in 5-7 days. This also read on my online account. Friday August 13, 2010 I received a call stating that I owed 2,500. After being on the phone for hours speaking with different people I was told that I was denied in June. Nothing on their computer reflected an approval. Of course I cannot prove it. I went online to review my account and the approval message is gone. They said my income is too high. I was told that my July payment was on hold because I owed an extra 97 dollars. If I paid it my balance would come down to 1,439. I did not understand but decided to pay, then was told I had to pay a 20 dollar processing fee. I called again for clarity and was told that if I did not pay 1,439 by the 16th there would be an additional fee of 40 dollars. Why 1,439? Well this is the payment they allowed me to miss including late fees and other fees that I do not understand. Now that I was denied, I owe that payement and all of the fees. The best advice is to refinance but how can I? My credit is messed up and I cannot get a loan to pay the 1,439. They said call in Sept to make arrangements to pay 1,400 off in 6 months but I will still receive a monthly late fee and negative credit rating. Therefore my credit report will reflect 6 months of late payments. I do not know how to get out of this.

nette 8/15/10 5:36AM
I applied for the modification in May of 2009. They continued to ask for more and more information. Finally several months ago I was told that all of the paperwork was in and it was being reviewed. Two weeks ago I received a text message stating that I was approved. It also stated the same thing on my citimortgage online account. Last week I received another text message stating that I was approved and would receive the home solution package in the mail in 5-7 days. Yesterday I received a call stating that I owed 2,500. I could not understand. After talking to different people all day, I was told that I was denied. They did not see any information in the computer that I was approved. When I told the lady about the text message and online account she said ARE YOU SURE? I went back to my online account and the approval message was not there. They said my income was too high. They got over because they never sent anything in the mail stating that I was approved. One person even said well since you could not pay your regular mortgage I don't know how you are going to pay 2,500. They are charging late fees for each month of my one year trial period that I was making reduced payments. They are charging me for the difference between my regular mortgage and reduced payments for over one year. This is a realy scam.

Nette 8/14/10 10:54AM
Working with Citimortgage to modify our mortgage has been a nightmare!! A year later our case is still unresolved, and the representative I spoke with had the nerve to laugh when my frustration got the best of me this past week. I am so ready for this to be over!!

Anonymous 8/14/10 7:01AM
We have working with Citi Mortage for 3 years to get help with our situatuon. Every time i call they ask me if i am going to pay them. then they say " Call us we are here to help" . when we get behind. and we call them for help- ok no problem just do your best. you think you are trying hard and then you get a forclosure notice in the mail.
Never use Citi mortage. your loan gets sold to them make a big stink and go someplace else. they won't help. So now we are losing our house to a mortage company that doesn't give a crap. way to go Citi throw some more people out on the street.

Anonymous 8/13/10 1:49PM
We are dealing with the same stuff with Citi Morgage, A loan Modification does not take up to a year!!!!!! been going through this since last August, but My husband was laid off, and we asked for the loan Modification. They said there are 3 modification's and we did not qualify for the first one or the second one, But the neglected to tell us it would hurt our credit! had we know now what we new before doing the loan Modication we would of just kepted are loan as is. and asked for help somewhere else. I been dealing with them. one of there loan officer's told me the sent us a text saying our modiification did not go through.... who on earth send's a text to a HOME phone? and we been getting phone call's from the philipeen's as well. then we kepted seeing when we send our check's to them...they would not cash them till the next moneth, so they said we were at default on our loan. so we took matter into our own hand's and sent it certified for the to sign. we kept an i on that letter and it did get signed on the Month. but was not cash till the next month again at the END of that Month! They were taking on fee's that did not make sense.. so I called them and asked about there fee's that they were taking onto, One of there fee's was, they come out to your home to see if your the home owner's. OK I did not have anyone come to my DOOR asking me if I was the HOME OWNER!!!! I have documented all my call's even as to printing out the call's DATE'S AND TIME'S and employee ID number and the name of the employee I talk to that day. They even said I had Coucler's and gave me bogus number's excepted for 2 of the coucler's and I keep calling them coucler's But they do not call me back' and do you think they get back to me NO! Call your local News media. I called my local News and I called DateLine you might want to contacted a Lawyer as we are doing this today... They said on one of the goodmorning america or date line that CITI MORGAGE is the number one Mortgage that is making good Money! NOW I know WHY! I hope that this helps. Document all your call's take there employee ID number and keep on them...contact your local congress and your attorney general's office... let them know what is going on...This need's to STOP! We did nothing wrong! This need's to get out to the Media!!!!!!!!!!!!!!!!!!!!!
Sincerly
Going through
HELL with CITI MORGAGE

Angela 8/10/10 7:40AM
On August 4, 2010, I called to make a payment. After being placed on hold the woman said my mortgage was actualy 46 cents (yes cents) more than what she said. She asked for my debit card information again. I asked if she processed the first payment, she said no she placed me on hold to review my account. Needless to say, she did process the first payment which left two holds on my bank account leaving a negative balance. I called later that afternoon and was told that the first payment was not processed, the hold would be released by mightnight. NOT TRUE!!! I spent the entire day yesterday calling to have someone send a letter to my bank releasing the hold. I even had a conference call with a rep. from the bank. The bank made it very easy asking for a letter stating that the first payment was cancelled OR that they did not intend to take two payments. Each Citi mortgage rep was nasty. They hung up, some said they did not see two payments, where others confirmed the payments, I was called sir ( I am a female) and I was finally told to prove it and they would send a letter. My bank faxed the documentation showing that my payment was processed twice and that I had additional fees. I called citi mortgage again and was told that the process takes 24-48 hours. I was told that it was my bank's fault for placing the hold because they cancelled the payment. I continued to ask if they would simply inform the bank that the first payment was cancelled. Some reps. did not even understand what I meant by two payments being on HOLD!!! I was told again that they needed my bank account information which had been faxed!!! I called today and was told that this would not be resolved until next week. The bank statement was received but would not be posted to my account for several days. So now, I have no money, my account shows that I owe over $600 because of citi mortgage's error, they were rude, showed no concern and even denied my request to speak with a supervisor several times. All because of 46 cents.

Pissedfromphilly 8/6/10 9:32AM
They did the same thing to me and 1000s of others. I could use your statement for the court case I am in now also any others that would be willing to let a judge see the modification program mess that citimortgage did to you I am going to win my case come hell or high water. I will need a copy of some papers you have nothing with personal info on it and a letter from you. keithestep@hotmail.com

keith 8/5/10 8:14PM
CitiMortgage has the worst customer service of any company I have ever worked with. I have spent almost 5 hours today being transferred to one rep after another. I have spoken with idiots all around the world. I don't think anyone actually works there. All they know how to do is to tell you that you need to speak to someone else in another department.

Anonymous 8/5/10 3:19PM
What a NIGHTMARE!! Stay away from these guys!! I have been having problems with these guys for 2 years now. I am 2 months ahead on my mortgage payment and every month I get the same run around. They have gotten $1200. off from me and have no idea where it went to. I get late fees every month and my payments are not late!! You can't Ever talk to any one that can speek English... I am an American it would be nice to be able to speek to someone else that is also! The worst customer service I have ever dealt with. They will hang up on you instead of trying to help you. They have ruined my credit and for some reason are getting away with this. We need a lawyer to take ove rthis case to help people like us!!

Furious!! 8/5/10 11:51AM
Citimortgage never told me we could skip on PMI if we gave a little more money down on our modest home... so I have been paying PMI for 14 years. I asked months ago about it and was told by a customer service rep that I cant cancel it. I researched it today and found that it is cancelable after reaching 20 percent equity. We are way past that. I feel ripped off by Citimortgage...

Anonymous 8/3/10 11:08PM
I have been thru a nightmare with a loan modification with citi. I have experienced all of the same problems as everyone else on this page. Perhaps we should pursue legal action. Anyone have any ideas?

Anonymous 8/3/10 12:26PM
I was laid-off in April 2008, by November of 2009 I knew how long I could continue to pay my mortgage, so I contacted Citi for some type of assistance. Because I was current, they were not willing to grant me the modifcation. In March 2009, I became delinquent after being on time for eight years. Their Loss migration dept granted a payment pay, which their goal was to bring my account current. September 2009 I received a call from Citi wanting to help me by putting me in the HAMP program, with a modification payment only 1/4 of my regular payment. The agreement stated I should make this payments for 3mths and on time. Within two days of receiving the call in September 2009, I had faxed all the required documents more than 8 times. In May 2010, I was told they only thing they were waiting for was my tax transcripts from the IRS. Mid May 2010, I received a call from my insurance company asking was I still in my home....not knowing that Citi had put me in foreclosure and I get home I get a letter from the attorney stating that I'm in foreclosure. I called Citi and was told that I was dropped from the modification because I did not provide them all documents they requested, yet they accepted my April and May payments. I truely believe that Citi knew they were wrong about the process of modification. Now my home is now up for Sheriff sale on August 3.....Shame on Citimortgage.

Anonymous 7/28/10 7:35PM
Due to a an accident at work,2 surgeries and intensive medical care i haven't been able to work and retired on social security, my hole life has change ,, my husband is the only one working full time , we filled bankruptcy , chapter 13 , we did not include the house , is being 2 years trying to get a loan modification with Citi Mortgage, i was approved,ill be making trial payments for over a year, i have faxed all the documents required over 3 times, and then they close the application 3 times due to insufficient documents, at this point I'm not sure what to do , to do, we need to something we need help,what happened with the government who wanted to save our homes. please some one help,i'm very depress until the point that i'am taking medication my marriage is going down, i think is better if i die.but i will write a letter to the media,for a juicy investigation.

Anonymous 7/27/10 7:21AM
Citimortgage is a literal complete disaster. We started this in 3/1/09, requesting a modification based on the pending expiration of our interest only arm, and the fact that we would never qualify for a refi b/c our house was $200k upside down.

We were assigned a counselor named Janna Bourquin. She failed to return any of our phone calls for weeks at a time, and eventually her voice mail was full. We had to go above her to ask managers to please have her call us back, which never happened.

We were eventually told that we were approved for a HAMP modification by the random customer service agent who answered our call. Then when we called to make a payment, our payment was rejected b/c our mortgage was too big, and we really didn't qualify for a HAMP modification. From 6/23/09 through 2/24/10, every other phone call to Citibank yielded a different answer: "Congratulations, your modification is approved", "Your loan is not approved, you don't qualify," "I don't know why you were told that," etc.

Apparently, Ms. Bourquin eventually put us on a "supplemental modification" but never told us. She falsely noted in the Citibank system (at least I am told these notes are in the system, and I know they are false) that she told us about our approval. We happened to call in two days before our first trial payment under that system was due.

We sent that day, by FedEx overnight mail, our payment and a letter explaining what we had heard (but never seen in writing) about us being on a supplemental mod trial payment. The payment was signed for on the due date of 3/1/10. Then we made our next two payments as scheduled as well. On 4/22/10 we were told we were removed from the program for failure to pay the 3/1/10 payment. We faxed proof of the signature confirmation by FedEx, showing Citibank signed for it on 3/1/10. That was placed in Citibank's "file net" where it has been ever since.

We made the fourth payment in good faith because it never occurred to us we would not be placed back in the program after us providing proof we paid it on time.

From 4/22/10 on, we have called at least two times per week, and usually every 48 business hours. We have been told that the account was "under review", then that it was NOT under review, then that our review was denied and "should never have been re-opened" by the very same Janna Bourquin who failed to return our calls for months.

We have appealed every 48 hours to agents who say they are "escalating" the case. Now after 3 additional months have gone by, we are told that Ms. Bourquin will not reopen the case, there is no one else we can appeal to in all of Citibank, even though the proof of our on time payments is right in the file.

I have every detail of every conversation, and every document showing proof of our on time payments. But despite all that, we are now scheduled for our auction, and no one can help us because Ms. Bourquin simply refuses to look in Filenet to see the proof.

I would love to provide this evidence to whomever within government will listen. This company should truly be criminally sanctioned for the false representations they have made.

UPDATE: now we are told that if we make $4700 per month payments, we will be given a new loan, but they won't tell us what the terms are (what is the interest rate? what is the length of the loan?). They would not state that we wouldn't be kicked out again, like last time, for absolutely no reason.

I have not heard of a single person who successfully made it through this process. What are they doing?

Carolyn_Crook 7/26/10 10:19AM
I sat here and read half way down this thing and basically the same thing is happening to me. I have been trying to the Modification since February.
Two points to make it short:
1.) LACK OF COMMUNICATION BY CITI- no one has called me to say I failed, the mod requirements. They just stopped taking my payment and now I am bombarded with letters from attorneys saying we can help you get out of foreclosure!! am I officially in foreclosure? Why was I not notified by Citi imediatelty about failing so I can work on other alternatives?
2.) False claims - I received emails, text, and even call 1866-272-4749 and when type in my person info it tells me I was approved for my request!!! To make it even more frustrating it says if you would like to know your payment contact this attorney at 555-555-5555 (fictious # for privacy) the number is disconnected!! HELP!
MILBERG.com is my only hope for compensation!

Ibrokenheartciti 7/22/10 7:39PM
Ditto to all of the negative statements here. Stay away from this monster, if your mortgage gets sold to them refinance as soon as possible. Citi is the worst at everything they do. My husband and I work for the same company and we are only paid once a month, on the 10th to be exact. When I went to sign up for automatic payments via their website I found out they charge an extra $10.00 if you pay on the 10th of the month or after. Since payment is not considered late unless it is received after the 16th of the month this baffled me, so I called them. Was greeted by some scripted idiot in a cubicle. She couldn't answer my questions so she routed me to a supervisor who also sounded scripted. Finally gave up and wrote a letter, when I received a response it basically said that they pass the operating cost of this internet feature on to their customers. Guess they never heard of the terms cost of doing business and customer service. Granted my story is doesn't compare to the other nightmares written here, but is reflective of just how they nickle and dime their customers. Ever since then, I have called them at least once year and asked for them to please sell my mortgage to someone else. Probably didn't have enough people wanting to pay that $10 fee so they asked the government for help. Stay away they are bad business.

Anonymous 7/19/10 3:01PM
citimortgage? having same problems like everyone,tried for loan mod back in in March 2010 and no progress yet, everytime i call they tell me my modification is in the final stage and it's been in the final stage for at least two months and no one from citimortgage can give an answer,and when you tried to call the toll free number on the citimortgage website the phone goes busy after choosing the third option.I have a second loan with bank of america and i did apply for modification providing the same information to BOA guess what?bank of america approuved me right away modified my loan and know i just passed the trial period,what a difference?that's what i call a bank that's really out there to help homeowners.

atlas isni 7/19/10 4:34AM
Citi Mortgage has been my mortgage company for a few years. My wife was a student and and took care of our 2 children while I worked, we made just enough to get by. We separated in Jan of '09 and I fell behind on my mortgage. I looked into several options to become current and make my mortgage affordable. Citi claimed there was nothing they could do for me, other then refer me to outside agencies who needed to be able to work with Citi. Citi again wouldn't help. I then lost my job in Sept. of '09, again I pleaded with Citi to help me keep my home for my family, as I had reconciled with my wife. The said now they could help as soon as I could prove income. I understand payments would need to be made, I had some money but no job. I was even read to offer deed-in-lue of foreclosure, they refused to accept. They Foreclosed on Jan 26, 2010. I am entitle to a 6 month redemption period, which means it will no longer my home July 26, 2010. At the beginning of June Citi sent a locksmith to change my locks. Now on July 13, the sent in people to "take my belonging to the dump." These were the exact words given to my neighbor. I now have a small apartment and have been moving my things to it, as I found no way to keep the house. I walked in to find they only took things of value. Over $300 in cookware, my wedding china,a couple collectors items, and the few remaining children's toys. I ensured they couldn't change the lock again, so they broke a window. I am filling a police report Monday morning, but have no idea if I will ever see my belongings again.

FredS 7/18/10 11:43AM
I have been in the loan mod program since 08/09. I have made ever payment on time to this date.
Got a letter in the mail from them on 06/10 saying that my home was in forcloser due to " missing paper work". When ask what was missing. I was told the paystubs from the co-borrower were not sent in. FYI the said co-borrower isn a 69 year old retired person there are no paystubs. I sent them a copy of S.S. letter of benifits along with bank statment to show the deposit's.
When this issue finely got thru to them. I was told that they could no longer accept personal checks for payment. Ok so now I send a cashier's check from the bank. Keep in mind that I still have made all payments and those payments are being cashed. And from the start all payments are sent to them certified sig required. I was told to stop doing that. My responce.... I don't trust you. Funny I don't think they like that.And here is the kicker I get called from 3-6 times a month. I have been told that I have not made a payment in over 200 days. The fact that the left hand does not know what the right hand is doing is VERY clear. I can only wonder why this crap company was bailed out, it should have failed. I also love how they say that "This call maybe recoreded". And you say some here, they freak out and demand you shut it off. Try it.

Kingpin 7/16/10 7:24PM
My husband and I applied for a loan modification and were accepted. We started the agreement to pay more each month in order to get caught up, we were only one month behind. The agreement started in Nov �09. This month we received a foreclosure notice even though we made all the scheduled payments per our agreement. After weeks of runaround and lies from their reps we proved we paid and they admitted they applied our payment to another account. Now they say we are three month behind and owe over 4000.00. They have said they sent a detailed payment history to explain why we owe this but they have not. We can prove we made our payments but they cancelled our agreement because they lost the payment and now we owe fees and late charges. We have a disabled child and the stress is making me sick.

Hawthorne 7/16/10 2:47PM
Have been trying loan modification since Feb. After the modification period, I started getting bills saying that they never paid my mortgage!!! Even though we paid the adjusted (modification) monthly payment each month and never missed ONE!!! It would have been the same if I paid nothing for four months!!!!! Just received a letter that my mortgage is now in default! I'm flipping pissed!

Anonymous 7/16/10 7:23AM
I have been trying for a loan modification since Feb 2010, they lost my papaer work twice, finally in April someone called me and told me I did not qualify, then in May 2010 another person call me and said that Citi didn't calculate proper and that I still may qualify. July no modification, can't find my papaer work and now want to foreclose on me.

DanTam 7/14/10 9:46PM
Bad customer service representative says she cannot transfer to customer service because her phone disconnects calls , great way to reduce xfer rate , what liars they are !!! they hang up in your face and supervisors dont care what reps do or how they treat you.

bhkp 7/14/10 1:17PM
I HAVE BEEN ON HOLD FOR OVER 30 MINUTES!!!!!!!!!!

YOU PEOPLE ARE "PATHETIC" AT BEST!!!!

Anonymous 7/12/10 10:28AM
CitiMortgage Loan Modification Class Action

Did you sign up for a loan modification with CitiMortgage and were placed into a trial program with reduced payments, only to be rejected from the program and imposed late fees and experienced other financial repercussions?

Milberg LLP has filed a class action against CitiMortgage, on behalf of mortgage borrowers who have been wrongfully charged late fees and had their credit-worthiness ruined after being rejected from the permanent loan modification program, despite complying with the trial period guidelines.

Consumers that were rejected from the permanent loan modification program through no fault of their own should find themselves in no worse position than they entered it. Instead, CitiMortgage failed to honor its agreements, and its misrepresentations about the program, enacted to help homeowners reduce their payments and keep their homes, have left customers financially devastated.

For more detail regarding the class action, you may view the complaint here.

Although we are prosecuting this case as a class action, no class has yet been certified, and there can be no guarantee that one will ever be certified, or that you will be a member. If a class is certified, we will post further details here. Please visit the Milberg website for more information about the firm. If you wish to discuss this matter with us, or have any questions concerning your rights and interests with regard to this matter, please contact either of the following attorneys:

Jeff S. Westerman
jwesterman@milberg.com
Sabrina S. Kim
skim@milberg.com
One California Plaza
300 S. Grand Avenue, Suite 3900
Los Angeles, CA 90071
Telephone: (213) 617-1200
Facsimile: (213) 617-1975

Andrei Rado
arado@milberg.com
Jessica Sleater
jsleater@milberg.com
One Pennsylvania Plaza, 49th Floor
New York, NY 10119
Telephone: (212) 594-5300
Facsimile: (212) 868-1229

Attorney Advertising.
Prior Results Do Not Guarantee A Similar Outcome.

steedy 7/12/10 1:20AM
I have been submitting information to CitiMortgage since November of 09 trying to get a remodification...soo many times been lost on the call having to only call back...told 2 different times that they a big Corporation were having computer issues and they could not access my account....I have been waiting on a income verification packet to be sent out since April...still have yet to recieve it...It supposidly was requested to be sent at least 3 times...told to call back every 10 days til I get the packet...HOW long will we as citizens allow such Corporations and our own Government to lie, cheat and steal what is supposed to be ours...We all work and pay what we can...ther needs to be a lawsuit....I will be the first to sighn up.....They unjustifly keep the common people down so they can only gain...and our government helps them not us...

melons72 7/8/10 7:02AM
Trying to help my mom with her forclosure. She started filing in March, and by April they knew they would not be able to help her with a modified loan for her home. Instead of telling her this they kept it from her and even after she called many times since. We just found this out on July 1st. We were told they could not see notes from prior calls, or some other bull to keep us from knowing the truth. I think they are doing this to everyone so that when it comes time they can put a house up for forclosure and then they take it as a goverement write off.
With this being said, I think its time that people banded together and start a class action suite against Citibank Morgage. Any thoughts on this?

Sasiowl 7/5/10 12:13PM
I have been working on a Modification with a Attorney since 10/2009. CitiMortgage refuses to answer to my Attorney or the Courts and has been getting away with it. Why does the GOVERNMENT not get involved to help save our homes as promissed? Why do we have to continue to live in LIMBO? These Mortgage companies need to be held responsible for timely modifications and the government needs to get off their butts and make it happen.

sparkygai 7/5/10 7:41AM
I, too, have had terrible, stressful experiences with Citi. For 9 months in 2009 I attempted a loan modification, only to be "verbally" denied (they don't put these things in writing, they say). Then catching up in an installment plan (which took me sending a letter to the CEO of Citi to get any action). I despise talking to a different rep each time (and they NEVER know what the previous rep has said, and they're records are incorrect). A lady (who was actually helpful, name Holly Gooding) told me during my installment arrangements that their computer system indicated my monthly income was $40,000!So it seems a stupid clerical error on their part result in my modification denial last year. Now I'm facing losing my home, and again, I get nothing but heartache and nagging calls and letters. They are NOT a good company. And just like another person said, the right hand doesn't know what the left hand is doing. They lose documents, you'll get a different story every time you call. Get OUT from Citi while you can, if you can!!

Sorry in Sacramento 7/4/10 12:05PM
All other consumer complaints are so true! Citimort. also told me I had to be 'late' with payments in order for someone to speak with me about modification. What a travesty this company is getting away with. I have been trying for OVER a year. They denied modification for Homeowners Assist.Program because they didn't recieve a tax form (that was Fed EX'd,faxed twice, and ups'd)Then they told me today it was denied for nonpayment of trial payments (that were made Nov,Dec,Jan,Feb,Mar) In April told they would not accept.They have put home in foreclosure for this 88 year old retired teacher. We're supposed to still be in mode of review for 'Traditional Modification'while foreclosure continues. I also had assistance of HopeNow counselor, but the Citi person we were speaking with was in NEW DELHI,INDIA ..go figure. I hope a class action is started soon where Citi is going to have to be held accountable for their lies to the American Homeowner.

where's justice 7/1/10 4:55PM
On September 30, 2009 Citimortgage agrred to loan modification, and said completion would take 30 days. After submitting the same documents 3 and 4 time, they finally notified in May 2010 us that everything was all set and we would be notified in 7 days. 8 weeks later we recieve documents that added over $14000 to our mortgage. What they did was continue to charge the old interest rate for 9 months after the modification was agreed to and modified interest was promised. I believe down the line they will be hit with a gigantic class action suit, but such action is not feasible now because they are nearly bankrupt themselves.

pat 7/1/10 6:53AM
We went through their farce for a year and a half, made our payments, 50 million phone calls and applications out the ying yang then we were told if we wanted to qualify for the modification we had to miss a payment.
An over 820 credit score, on unemployment and we went against everything we had strived for all our lives and missed a payment like we were ordered to do. Then we were told we didn't qualify for that.
So now we asked for a partial forebearance due to unemployment, put the house on the market for a year during all this, no contracts. Took it off, tried to sell it ourselves a few months no contracts. Listed in again $100,000. less still couldn't get a contract, took it off market to rent. A few days later got a contract for a little less on the mortgage we owed ($15,000. less), CitiMortgage told us they couldn't accept it, they would only accept a contract from us from a short sale expert on the home.
We argued it would cost you CitiMortgage up to $100000. loss on our home if we short saled it versus us getting you, CitiMortgage to accept a firm contract closingin 6 weeks and only losing $20,000.
We lost the contract, a firm contract, $20,000. less than we owe, closing in 6 weeks on a 1/2 million plus dollar home. Now we have to short sale our home. Instead of saving our 820 credit score, we will now lose all of our self esteem, no job, no credit, no one to help. Big Business Citimortgage vs. consumers, we get the part we are suppose to play, we just don't know how to play it anymore.

Report

CitiMortgageToldMeNotToMakeAPaym 6/25/10 7:56AM
You never can speak to the same person twice. They never call you back like they promise. They regularly loose information or don't record it in their system (if they really have one). Every time you call it is like starting over. They won't give you an extension so you can have continued communication on your account with the same person. My experience is because of the communication issues above, they make uninformed decisions with missing or inaccurate information on something as important as your home and the life savings you have tied up in it. It should be a crime for what they are doing to people.

It seems that the loan modification program is something they use as PR in their ads but in reality, they don't give a flip about helping a homeowner who has made faithful payments on time until lost job in lay off.

In summary, filed for modification in mid Jan. Was told based on info was pre-qualified. Made agreed payments for 6 mos. During period, despite my numerous requests, they would not forward anything in writing on terms, rules, regs of modification leaving me flying blind on deal. Yesterday received demand letter listing late fees, balance on full payments and notice of foreclosure. Only by phone when I called to find out what the demand letter was about did I find out that mod was declined. Tried numerous times to communicate with them during period to report updates in finances such as offer to buy portion of property for $50K that would reduce amt. of loan and reduction of debt. None of this is on their records just like paperwork that was nowhere to be found during six month process or the updates on status of modification they told me to look for on their website. We had basically all money invested in house now that will be lost, not to mention our credit. At 56 years old, it is difficult to imagine how to completely start over.

Soon to be homeless 6/24/10 3:01PM
I cant believe how many people are going through what we are going through. I was beginning to think it was me..I was losing my mind. I sent that paperwork so many times Ive lost count. I HAVE HAD A PIT IN MY STOMACH FOR DAYS OVER THIS. Anyone else and they would be in jail or dead!! I dont know where to go from here but Ive got to do something if not my family, including a baby, will be homeless. We were scammed right out our homes!

Anonymous 6/22/10 5:10PM
Needed just an easement--Took five months, worst customer service ever--rude, uninformed, Stay away from them!

Anonymous 6/21/10 3:15PM
I have had the most horriffic exp with CitI morgtage. I was solicited by them even though my mort. was always current for the loan mod program. Then I was denied and imposed a huge sum of money 70K or foreclosure. they do not keep up with paperwork and their reps are horrible and they will hang up on you when you pin point them. Where is the justice for the homeowners, where are the political leaders, they will show in November all they make are promises. anyone with common sense can see the impact these banks are having on innocent people and the lawyers have joined the band wagon. Help us Dear God

ccm 6/14/10 8:16PM
Good news everyone! There is a Citimortgage loan modification class action going on. The website is www.milbergllp.com Fill out the form on line and submit it. The names, email addresses and phone numbers of the attorneys are there. We have to stick together Cititmortgage are crooks!!!!!!

Mrs. G 6/13/10 12:15PM
Same story again with them. CitiMortgage is corrupt, a bunch of liars and worse. They constantly lose all my paperwork and give me different information everytime I speak with them. They put me in the HAM program, know I'm qualified, but they won't give it to me. While I'm doing all this and making payments to them they're racking up huge interest debts that they plan to suddenly bill me. I'm doing everything I can do to work with them honestly while they continue to destroy me financially. They're costing me to lose my condo and they honestly deserve to be put in jail for their actions.

Anonymous 6/12/10 12:41PM
My husband and I feel like we are being scammed by Citimortgage. We started refinancing the second week in April 2010 with the promise that we should close in June. This sounded great with lower interest rate and paying the house off in 20 years. Let me explain that we applied $100,000 toward the purchase of our house in August 2006 and financed the rest with Citimortgage. Currently our mortgage balance is just over $109,000. Our credit is great, monthly income is good, and we have a nice retirement fund. My husband receives Social Security Disability due to complications from a brain tumor and has short-term memory. He also receives monthly deposits from his retirement account and can withdraw from this account on an as needed basis. As a matter of fact, my husband alone has enough money in this retirement account that we could pay off the mortgage. Additionally, Citimortgage was fully aware that I worked for a temp agency but that I had been assigned to the same company for a year. They had no issues with this.
We have all documentations that Citimortgage requested sent via email. The Mortgage Loan Coordinator said she never received them. We sent the docs a second time with the same response. After the third time she said she received them. When everything seemed to be fine, she told us that we needed to either close our line credit at our bank, which had $0.00 balance, or have them send a letter stating that Citimortgage was first in line. We closed this line of credit with our bank which cost us $250. This seemed to satisfy her so she sent everything to the underwriter. To refinance with Citimortgage it cost us $450 up front.
Then we received an email stating that she and another person completed the verification of employment for me but that it was not sufficient for underwriting. She asked me to get a written letter from the temp agency or from the actual employer stating that it was a long term assignment, etc. She said the letter needed to state if I am temporary or permanent since that is what underwriting is asking for. Also the letter needed to be signed and dated.
It just so happened that I was hired permanently fulltime with this company the same day I received the email request from Citimortgage. I asked the HR director at the company I work for to provide me the required information in a letter and he did. I emailed the letter to Citimortgage and informed them that I now worked as a permanent in the same company I had been assigned to. The letter Citimortgage requested not only stated that I was now hired permanent fulltime but also that I had been working long-term with the same company for a year. This is exactly what she said the underwriter needed.
June 8, 2010 we received another email stating that the underwriter sent it back requesting that I send 4 check stubs from my new permanent position. She also stated that this will delay the process about another month and the rate will expire on 06/28/10. She said Citimortgage can extend the rate but extension fees are charged and that we may want to speak to our loan officer to see how we wanted to proceed. We were given a name of who the loan officer was but no phone number was given. Then she said she would be on vacation for the next week and would be back on the 16th at which point she would check back with us. (I guess we paid for her vacation?!?) I also must mention that there were times that phone calls were not returned. Additionally, she was out sick for a week. And we�re going to be penalized because of the delay!?!
Okay, so let's recap. We've paid $450 for refinancing and $250 to close our line of credit with our bank (with a $0.00 balance). Now we're asked to pay an extension fee to keep the same rates! Citimortgage delayed closing, not us! We provided the information they requested on a timely manner. As far as my employment, they had a verification of employment department that was to handle getting the required information which they were not getting in a timely manner. That was their delay, not ours. When they requested my help to obtain information on employment, based on their first request, I provided that in a timely manner (within half an hour). Then having my employment kicked back from underwriting again, once I again supplied them with the new requirements for employment the very next day. Seems funny that underwriting changes the rules of what they required for my employment (first they wanted a letter which my HR department provided and now 4 check stubs!!!).
Something must be done. By not proceeding with the refinancing we lose $450; however, if we continue we would pay an extension fee. Why are we, the customer, responsible for paying an extension fee when we did not delay? Also, there is concern that Citimortgage may come back and deny refinancing after all this, once again all for naught. Isn't it funny that we were able to pay our mortgage and monthly bills with no problems when I wasn't working. Definitely we're feeling scammed.

BucyrusGirl 6/12/10 5:23AM
most horrible and incompetent bank to deal with.They can never find my account when I call and yet keep receiving my payments.Loan modification documentation submitted more than 3 months ago but no answer.They keep transferring my call back and forth and eventually they hang up.I don't know who would I contact to resolve this frustrating nightmare.

Anonymous 6/11/10 1:53PM
Citimortgage is the worst...I submitted paperwork trice and they preapproved me to a principal reduction on my second mortgage twice. and when it went to the closer they would say I dont qualify for that & would try to offer me something else ridiculous that I could not afford.

nbkm5or 6/10/10 6:35PM
All the stories are similar. That should tell everyone, including the company, something. I had to apply for the HAM program also due to divorce. First of all, I informed them that I was now separated but not divorced, and they told me it would be FINE...go ahead and submit the paperwork to start getting on the program anyway. My initial paperwork to Citi was lost twice. I then contacted the HOPE line, and suddenly everything started working. Both the mortgage company AND the HOPE people told me it was ok that I didn't have the divorce paperwork. I got on the program, paid the lowered amount as they requested for 4 months. Then the next month, without any notification to me, when I called to make the payment they said I owed 12,000 dollars and they couldn't take anything less than my normal, full mortgage payment amount. According to them, my account said that they were still awaiting the documents necessary to complete the loan. I finally got to a person who told me that documentation was my husband's proof of income or my full divorce paperwork. They gave me a deadline of the following month, and in Texas, you must waiting 60 days before you can proceed with divorce. At any rate, I started RIGHT THEN (with the money I would have paid the mortgage, I paid the lawyer) and JUST finished my divorce. Now they tell me I owe 17,000 and that I no longer qualify for the HAM...I lost my chance. Where's the government money that was provided for me to get this modification?

Anonymous 6/10/10 9:04AM
I am a licensed real estate agent located in GA.
I tried to get a short sale process started.
I sent the package many times.
I can tell you that Citi Mortgage is a bonafide incompedent disguised as a lender.
Their staff is a quite uneducated.
They do not even know the status of their own property.
Their reps never respond.
My clients house was foreclosed however I submitted the paper work numerous times.
They even had it filed and said to me that the eviction was postponed.

They never contact me.
Due to this I lost my reputation with my client

John Henry 6/8/10 4:50PM
I agree that Citi Mortgage are a bunch of crooks. For the last year we have been trying put a loan modification in place. They have lost our documents 7 times, I finally had a person that I sent everything to and I was told that he had recieved the documents. A week ago, we were called by the HAM program to tell us that everything was almost completed and not to worry about anything.

I went to pay my house payment under the modification yesterday, I was told that because we disputed the modification that they are foreclosing on us!!!! In 3 weeks!! This was after 14 different phone numbers and 14 different so called customer service representatives that have no clue of what is going on. The gentlemen that I had been dealing with is no longer employed by Citi! Convenient, isn't it.
We have NOT disputed anything! These morons are power hungry and think that they can do what they want and they don't give a damned about the consumer. You can rest assured that Monday, I am finding someone in corporate and get this resolved once and for all. If they don't cooperate, I will file an injuction against them through the courts and force them to do the right thing. I am going to go so far as to ask the courts that with all of this abuse, that my loan be forgiven and then Citi can stuff it!

unhappy coloradoan 6/5/10 6:24PM
You wouldn't believe the torture ive endured by citimortgage. It seems many of you have had similar problems as me, i applied for the gov modification program in September 09 I was never late my mortgage was 2800.00 I simply expressed that it was tight for me I gave my info they preapproved me and lowered my payment on a "3 month" trial to $1250.00. Paper work was missing , the same document over and over again, I kept on them and called weekly, I was told it looks good for you that there taking so long, and try next week, well 9 months later I get a call saying you are denied for not enough salary, I was like explain that to me I dont make enough to afford the lower amount so I have to pay the higher amount. I was also told I am $19000 behind now, I recieved a letter today saying if they dont recieve the money in 2 weeks they will start forclosure process, which was there suggestion when they told me i was declined, then they would call me 4-5 times a day from a 646 area code and hang up most of the time. Next I called my finance guy to try to refinance and he said my credit score dropped from 780 to 600 because of what they posted so i cant. I want to get a lawsuit going very badly, or ring someones neck over there.I borrowed money from family to help me out of this, now I heard for someone that citi is denying anyone with a low balance on there mortgage so they can forclose and take your house and make a profit, they should all rott in hell, anyway on a happier note please email me at chimneygu@aol.com so we can get enough names to start a class action suit

Roger 6/1/10 6:40PM
These people are absolute crooks. They nickel and dime you to death on everything they can. They "pad" their escrow accounts, hold payment checks to collect interest, etc. They charged me $400 to close my escrow account. When I asked them for a payoff statement by mail, they never sent it. They suck in all ways. Stay away.

Robert Jangraw 5/31/10 8:17AM
I can't even put into words the frustration and stress that CitiMortgage has inflicted on me. I have been trying to "Modify" my loan for 8 months now. It took them 6 MONTHS to tell me I didn't qualify for the HAMP Program. Who is even qualifying for it? Is anyone getting modifications? I am now going through the traditional modification review, but it is also taking way longer then it is supposed to. They lose all of my paperwork, everyone tells you a different story, they are crooks! The worst company I have ever dealt with, where is all of the bailout money???

Anonymous 5/28/10 11:23AM
Citi has ruined another credit score after denying loan modification. Why why why did it take them 6 months for them to decide that mortgage payment (a number they know) to gross income (a paycheck) ratio did not meet their minimum criteria for a loan mod ? Also never previously late. Would super like to get score corrected as I've paid as agreed. This is the craziest thing ever. Why would Citi knowingly put someone in a program on DAY 1 if they knew on DAY 1 they won't accept them ??? Something needs to be done ASAP. GET THE FACTS BEFORE YOU TRY LOAN MOD. Oh, and after the "trial" fails because you don't qualify, they want the original full back payments paid in full after you are denied. You'll end up in worse shape than what you started.

TooLateToFix 5/26/10 3:42PM
Citi mortgage is not trust worthy. The experience I had with them is unbelievable. I mean this in a negitive way. They lie, take your money, ruin your credit and will take your home. TRUST ME. I am an honest person who would not lie or screw anyone. I had a greaty credit rating, great job, and an ARM with CITI that needed to be refinanced. I Qualified but so call appraisal was below value. They took my money, forced me to not make 3 payments to talk to them and now I lost my home in foreclosure to them.Go figure. They bid 91,100 on my home. The principle balance was over $230,000. They now own my home.

binhunter 5/26/10 1:32PM
citimortgage is the worse most incompetent company i have ever dealt with in my life. there is not a rating low enough to rate this company. I will do everything I can to take legal action against this company for ripping people off. the company is wicked and should be shut down.

Legal aid 5/26/10 9:09AM
I am in the same boat as you all so tired of all the calls, different story everytime, how can they put people thru this terrible stress for a year plus and we can do nothing about it?

tammystaebell 5/24/10 6:45PM
On 4/17/10 I sent a personal check and two $500 money orders for the "final payment" on my home. I have had it financed for 10 years and NEVER made a late payment. A week ago a Citimortgage person called me and ask if I was having trouble paying my bills. I told her no and my house was paid off. She informed me that I still owed 1037 on my mortgage. My personal check had cleared. I spoke with a person at Citimortgage and she advised me to go to the post office and they could trace my money orders. I did that and they found that a couple weeks before Citimortgage had sent them some scraps of money orders along with a letter saying that they came from their post office and they did not know where or who they came from. I had the receipts so the post office reissued my money orders and I sent them along with the letter to the Payment Research Dept in Sedwick Maryland. I then called Citimortgage and told them that I had found out what had happened and the woman was rude and nasty. She told me I still owed them a late fee and I would pay it. I informed her that the money orders were received and torn up at Citimorgage and that was not my fault. She said I could file an appeal with Citimortgage of course and then we will see. I have never ever been treated so badly.

Nana 5/23/10 9:26PM
Citimortgage should be investigated for fraud and for abusing its customers. I hope everyone upset with this obscene company helps spreads the word about how they do nothing but scam the public. Absolutely terrible service. Nothing about Citi is good, at all. If they fell apart tomorrow, I would throw a party and would mark the day as an annual event on my calendar to celebrate.

Citi-hater 5/21/10 10:35AM
Glad to know that citimortgage does everyone the same way. Filed for a modification in Dec 09. Finally in Jan 10 was told it was closed because I was not behind. Got behind and filed again Mar3,2010 and am still doing the dog and pony show. I call every week and get something different from everyone I talk to. I have not been assigned a counselor or they need more paperwork. Called again today and was told to refile Are they kidding? I do not have another 3 month to play around with these people. I am filing bankruptcy due to my husbands death and was hoping to keep the house but i think I must put it in the bankruptcy as I am getting nowhere trying to work with Citimortgage. I would never recomend this company to anyone. They are very disfunctional. No one and I mean no one knows what the person next to them is doing.

feedup with citimortgage 5/18/10 9:54AM
Upon losing my disability, and worrying that I would fall behind until my appeal case was complete I contacted Citimortgage to be a "pro-active" customer. After explaining my situation to the rep. I was urged to do a loan modification.

The rep. told me that the only way I could be approved for a loan mod. was to stop payment for 3 months. It is important to note that when I made this call I had not been late on ANY payments, but wanted to maintain this mortgage, as I have fought hard for the last 8 years to improve my credit score.

I explained my concern to the representative but he assured me that the non-payments for the next 3 months were necessary for the modification, and that it was strictly an IN-HOUSE procedure and would NOT be reported to the credit bureaus.

We received the modification, but soon found out that it was indeed reported to the credit bureaus. Our credit score dropped dramatically, and I have appealed this, called countless times, been told different excuses, and made to feel like I was lying! Citimortgage is responsible for bringing my credit score from GOOD to POOR, and I am now subjected to high interest rates when applying for credit.

I am so disgusted with Citimortgage, as they have set me back to a place that will make it impossible to access another loan until 2015. We had hoped to sell our home, now we cannot. I could go on and on about this joke of a company but it has had a huge impact on my health. The reps. lie about their names, or they have no concept or training when you are unlucky (most times) to discuss your situation with a polite but useless operator in India. Most of the Americans I have spoken with are obviously past caring about the plight of Citimortgage customers and are extremely rude. There have been many times I just hang up when I hear that certain tone when our conversation starts. I don't need sarcasm in such a serious matter.

I NOW JUST WANT TO WALK AWAY FROM THIS HOME AND SCREW CITIMORTGAGE! ( I don't think I care any longer if my credit score drops further, as this has been an enormous stress that has taken its toll)

SHANA 5/17/10 7:13PM
CitiMortgage has a scam going! They took part in the gov. Making Home Affordable Program but no one can qualify for the program! First they qualify you, lower your payments. They let you stay on a trial period that is supposed to last 3 months but they are "so busy" that they extend it for several more months. All the while,after you have submitted all their required documents, several times because they either lost or didn't receive what you submitted the first time, you don't receive any monthly statements from them. Then all of a sudden, you find that don't qualify for a modification and your loan is now in arrears and you have to pay back thousands of dollars or they will start foreclosure within 14 days. They lowered my payment by $203 per month for 4 months and yet told me I was in arrears by #2,038. They can't even tell me how they came up with that amount. Their customer service told me "If you can't afford to pay your payments, maybe you shouldn't have the house!" In addition they processed an unauthorized payment through my bank and my bank (Chase) paid it, even though I didn't have funds to cover it. I am trying to find an attorney willing to take on CitiMortgage - I'll bet there are enough people out there to get a class action suit going! I am disabled but willing to do what I can to stop their illegal practices

TiredoftheBS 5/17/10 10:02AM
we started back oct 2008 boeing went on strike then spirit went to 3 day work week we cashed in our 401 k sold every thing to make house payments then jan 2009 we were out of money nothing left in checking and in savings.we were told we were denied for mod then were told we could do the mod.so for months we did the paper work witch they kept loosing.could not find got a lawyer.the were did get the obama plan made 3 payments and then no one called us we called citi were told we would get a call in a few days never did. then i called again when i made fourth payment and then was told some one would call us or get papers in mail becuase we were denied for obama plan.what now we start over.then when i went to make may 2010 payment they would not take it.they rfused. now they say we are in forcloser then we get a paper in the mail saying our house will be sold on may 28th 2010. what.so icall them a women says to me they did not get all the papers they needed i told her how can a big company keep loosing so meny papers from faxes and the mail.now they have reopened the files and now we wait again.our credit score is in the toilet and we dont know if we get to keep our home while these people keep calling us and then saying how can we help u.grrr ether take our home or take our payment to which they agreed to have us pay. greedy citi.hire some people who know what they are doing and stop loosing the paper work or close your doors.

prizm1967 5/14/10 4:39AM
I am beyond appalled. I have a current CitiMortage Loan for 6 years - I have been trying to refinance for 4 months. Was "accepted" and given the mortgage commitment documents with stipulations experienced by others, they want backup documentation for bank deposits, etc. and I provided. Nothing happened for more than a month. I start calling... and calling and calling and emailing and emailing. Finally get an answer of "there's a problem with title to your coop". They say the coop I live in has a whole in the name/title chain according to ServiceLink, their title company. (Notwithstanding the fact that a coop finance or refinance doesn't need a title search EVER for anything, just a property report.) So even though they technically don't need it, and never did for the first loan and do not for this one, I got our building attorney involved, my attorney involved, and gave them what ServiceLink said didn't exist - documentation that was properly recorded. Now, I receive a call today that they are going to refuse me because of another perceived title name change gap - just like the first - another thing they legally don't need and another thing their title company say they can't find. But their new twist is it appears no chance will be given to me to again do their work for them and ServiceLink before "senior underwriting make their decision". This and CitiMortgage's whole process is a complete, organized scam in my opinion. And if they deny me based on this unbelievable hoop-jumping-for-nothing, I will make it my hobby and mission to chase them and report them to every government agency I can find.

sleepless in Chicago 5/13/10 12:56PM
This pitiful organization, if you can even call Citimortgage a viable organization these days, is the worst bank I've ever used. Sadly, some 4 years ago, they had a decent reputation, so I refinanced my home loan to get a lower interest rate. However, recently I've tried to secure a hardship modification because I'm currently out of the state for work on a year-long government contract. Since everything about Citimortgage is terrible, I'll just say they are bonafide crooks out to ruin your credit and bankrupt anyone and everyone they can. Customer service doesn't exist. They drag you out in procedures until you are broke, all the while calling upwards of three times a day with additional text messages and emails in between, if you are so much as a week late with a payment. Literally, they drive you insane, starting from 9 am to 9 pm, every day of the week. Trying to get updates from one of three branch offices handling mods. is like pulling teeth. They trick you; it's a scam. They magically don't get paperwork you email, fax and mail hardcopy, sometimes several times and knowing you are broke because you're applying for a mod. they drag you right up to 90-days delinquent on your payments. This is to ensure your credit is ruined, and so you obviously can't refinance with anyone else. Then, they tell you, you don't qualify when all is said and done. It's a scam to keep you paying till you seek foreclosure. Like vampires, they drain you till near death on payments. As a seasoned public relations professional of more than 10 years experience, I now have a new mission to spread consumer word this bank should fold up shop for good. Avoid Citimortgage at all costs.

Citi-hater 5/13/10 11:54AM
After 1 lay off & 1 20% pay cut from my current employer, I requested the Home Modification Assistance Pgm with Citimortgage on May 1 2009. At that time I never missed a payment & had a credit score of 850. It is now one year later & am still in the same phase with countless calls / emails with no avail.

chuckles_aus 5/13/10 8:21AM
I applied for a refi on 2/19/10 for a closing date of 5/20/10. For two months everything seemed to be fine. Within the last 3 weeks all hell has broke loose. The under writer needs this or needs that. I transferred $18,000 from my savings account to my checking account and now Citimortgage wants to know where I got the money in the first place. I have tried to provide them with all requested info and have done so in a timely manner; however I am now threatened with penalties if we do not get this done by May 20. The only one that should be penalized is CitiMortgage since I have done my part during this application process. I believe this last minute harassment is their way of attaching additional costs to the refi loan. I believe this is a "legal scam" condoned and perpetrated by Freddie Mac and Fannie May. My advice: avoid CitiMortgage at all costs.

Upset Disabled Veteran 5/12/10 9:21AM
Citimortgage urged me to sign up for paperless billing (to help the enviroment) and now (months later) they've begun charging a $10 fee for paying online. That's just not right. Sounds like bait and switch to me.

Anonymous 5/12/10 7:20AM
The worst! Terrible is an under statement. My experience was riddled with mis-information. One day from losing my house and getting bad information minute after minute from multiple representitives. I finally talked to someone in Loss Mitigation, named Shamika, who knew what she was talking about and helpful. I will never, ever, use Citi and certainly discourage anyone else from using them. The Worst!

Anonymous 5/3/10 8:08AM
YOU ARE FIRED!

Russell, Josh and John -

"After spending over five months dealing with you morons on this simple refinance, 102 e-mails later, countless phone calls, and two botched closing, we are dumping you fools and taking our business elsewhere."

Dissatisfied Customer

YOU ARE FIRED 5/2/10 12:47AM
I began the loan modification process in August 2009. I have sent in numerous documents. I have been paying the trial payment since the September payment. On April 15 I received an email stating that I was under final review and expect an approval within 3 business days. Two weeks later I received a letter stating that they need more documents. I call and am told that I am denied. I have too much money! But, I do not qualify for any other program because I don't have enough money. I am told I will need to do a short sale. Is there anything else I can help you with? My credit is now ruined. And I am eight months behind my payment. I can't believe this has happened.

kaba 5/1/10 10:39AM
citi bank gives active duty military a routing number for allotmenta as X02855, only problem is the military pay system computers do not accept aplha characters only numeric. yet they say this is the number they give to all active duty personnel. yet they can not explain why they give this number when it clearly does not work.

capt59 4/29/10 10:53AM
We have been trying to get a refinance loan from citi mortgage since February 22, 2010. They have asked for and received more than 25 fax packets of information from us which equals over 95 individual items of information that they requested for verification of their loan requirements. The only thing that came out of this process is their keeping of our $450.00 loan deposit. Non refundable of course. Today 4-27-2010 they closed our loan application and kept our deposit. They kept asking for the same job and income information over and over again with no end in site. They are not a very good company to do business with. Robert

micromgr 4/27/10 1:13PM
I have the same nightmare as other people described against CitiMortgage. It is the worst company in the world. It starts from my application of a modification. I was told my application was approved first time after they put me in trial plan. Several weeks later, I called again they said my application was denied, but I should wait to receive information. I called again they told me application is still in process and will send me some information. Then I received none but a delinquency notice and called again. They told me no need to worry about my application is still in process. In the meantime, they already put my house for foreclosure. I think this company is intentionally to steal. Is any attorney going to file a class action suite against Citimortgage or any suggestions to fight with this company?

Frank, Norcross GA 4/22/10 1:54PM
Anyone having issues with CitiMortgage and the Delinquency Expense fees should file a complaint with the Federal Trade Commission and also your State Attorney Generals office or your states Consumer Protection Agency.

These fees are not in any part legal and are not included to be charged to you within your Mortgage note.

When CitiMortgage adds these fees they effectively add 10% plus to your yearly total cost of your mortgage.

For example if you have a 6% mortgage in reality you are paying 16% with these unfounded Delinquency Expense charges.

Oy Vey, The fleecing of America continues.

Put your foot down on them "COMPLAIN" if you do nothing, YOU ARE DOING NOTHING ABOUT IT!

Got their Number 4/18/10 10:17PM
I can't even begin to express how frustrating working with Citimortgage!! the fact is they do not care about helping you -the troubled home owner to get the right loan motifigation!! Check this out:
1. when I first called in, consulting for goverment loan assistance, they rejected me after they asked a few qustions that NOT including my income nor expenses, that's March 2009
2. I called back again in a three months, same answer-no, not qualified!
3. Call back again after I spoke to a friend who told me the 31% income rule, I called again-rejected again!! I questioned her about not asking me about my income or expenses, and requested her to explain about 31% rule, she changed her tone, said yes, you are qulified immediately!!
During the time I tried to get some assistance from Citi, since their misleading advice, I decided to take some proactive step-rent my lovely home, moved to a state where cost of living is low and luckly I was offered a job too! trial docs came, one of the conditions was I as the owner, must occupy the property!!! so I am not qualified!!!
4. Dec. 2009 called them back explained my situation and the reason that why I made the relocation change, the answer from them is no-not qualified, there is nothing they can do! no any other options that I may qualify was mentioned!!
5. Found out through reasch that I may qualified for Citi's loan modification, called them back, they answered "yes" "that's right". When I questioned why their professional advisor didn't mention this option to me before,was told "no comment" on that. Tried to apply-told me "no, you are not qualified, since your property is not rented."
6. rented my place in Feb. 2010, called in, submitted all the docs that they requested, told me to wait... so I wait, wait, and wait... one month later, called in to follow up (by the way, I call them on a weekly basis), told me other docs are outdated, need new pay stubs blah, blah.. faxed over new docs... wait...
7. last Sat. April 10th, called in, told me my application was rejected due to high income expense defict! But didn't advise how big is big. I told them my financial status has changed since Feb., so that guy guided me for all the questions-income vs. expenses... told me "you are not qualified this time, since your monthly positive is too great!!! " Ughhhhhhhhhhhhhhhhhhhhhh.... can you image how that make you feel? then I asked him please define "too big", he unwillingly sqeezed out "-$300 and $300" guideline!!!

I am seaking for legal help now to see if what my right is. if you have any good referal, please post on this web....

Shame for you Citi 4/13/10 8:30PM
Citimortgage only looks to their benefit. My husband became unemployed last June since then I have tried getting assistance from them. They offered me a principal loan reduction..after submitting all paperwork they declined it because my house to income ratio was too high--hello---otherwise i wouldn't be requesting assitance. then i was told i could do a short payoff i submitted my offer them they came back and declined it saying they couldnot take a short payoff if i was intending in keeping my home. I am currently on a trial mod on my first loan then citi comes back and tells me oh we can't help you until your trial mod is permanent which wont be for another 6 months until i have made 6 pymnts for trial period..duh by then citi mortgage scnd loan will be charged off...who understands them. they dont get their facts straight.

nbkm5or 4/12/10 8:04PM
I have the same problem as Larry from MN. I was told in early march 2010 I was now in a trial modification period. They continued to send me letters saying I was late, real late, super late, then in default. One rep would sau disregard the letters, that I am 'shown to be in a trial modification period'. A day later I was receiving another letter. This is real painful, because last year in early April I applied for a mod. through a third party called 'A New Deal' out of Criminalfornia. I paid $1995 only to be strung on and finally offered a mortgage modification in late August. Two weeks later they said I was denied because the mortgage, a first, was 'in second position' thus it appeared I was holding a second mortgage wich was unqualified for the 'obama program'. They can't even record the loan correctly! I lost the whole 2 grand, and got no modification. After bringing my account current over 2 weeks ago, they are contiuing to take $577 a month in auto payments that were set up ONLY TO PAY THE TRIAL MOD Payments! So, now I am 'current' but they are still taking out trial mod payments out of my acount. Since the house needs a new roof, etc, they may be getting their house back soon. They are about as easy to et resolution and truthful, unified answers out of as the defense in the Whitewater or Ollie North trials. I was spending an hour a day on the phone with them! For weeks!
Ben
Panama City, FL

Anonymous 4/8/10 10:30AM
PISSED @ CITIMORTGAGE!!!

I sat here and I read so many complaints about citimortgage - it literally has my head spinning! I also see that my issues with them is just a drop in the bucket and sincs up with almost everyone else's. I mean, I have experiened almost everything with these idiots! Everytime I call them, I'm told something different about the same issue-- Let alone, the RUDENESS! Seriously, I understand now, how people feel like shooting up blowing up companies. If I were not kept by God, I porbaly would have gone off the deep end by now and wanted to do just the tigs I just describesd. Thank you Jesus for keeping my mind.

SOMETHING NEEDS TO BE DONE! SURELY, COMPLAINING HERE IS NOT WORKING! A CLASS ACTION LAW SUIT NEEDS TO BE FILED!!! I DO KNOW THAT HUD AND THE ATTORNEY GENERAL IN OUR PROSPECTIVE STATES ARE GOOD STARTS. PLEASE CONTACT BOTH! GO BACK TO THE ENTITY THAT IS BACKING YOUR LOAN AND DEMAND JUSTICE. MINE ID HUD BECAUSE I HAVE AN FHA LOAN. YOUR'S MAY BE FANNIE MAE , OR SALLIE MAE OR WHO EVER BUT SINCE THEY ARE THE BACKERS OF THESE LOANS, THEY WILL DO SOMETHING and followup!!!! also, start writing to Capitol Hill! SOMETHING MUST BE DONE..! WE ARE THE CONSUMERS AND WE'VE GOT TO DO SOMETHING TO WAKE THEM UP AND HOLD THEM ACCOUNTABLE!!!! ONE GOOD WAY TO START IN FACEBOOK WHICH IS A GOOD WAY TO COMMUNICATE!!! THAT WAY, WE CAN COME TOGETHER AD PUT OUR HEADS TOGETHER. oh! and by the way, I HAVE ASKED FOR SUPERVISORS AND THEY REFUSED TO GIVE ME THAT INFO!!!

THIS IS A JOKE TO THEM!! THIS SAME PERSON LAUGHED IN MY FACE JUST TODAY! HIS NAME IS "JOSH".

pissed off 4/8/10 9:16AM
Well, I am so glad that I am not the only one. I am currently in hiatus with them because I sent them a check for my mortgage payment which they cashed, and now they are saying that I never paid for that month. I have been to the bank and they did the research to see who cashed the check and said that it was indeed CITIMortgage that cashed it. Where did they put my money???? They have no clue. Not one can provide papers showing where the check was cashed in their office. I get a phone call every 5 minutes from one of their representatives forcefully telling me that I need to pay it again or they will put a foreclosure on my home. When I explain that I have the papers and the canceled check from my bank stating they did indeed cash my check, they get Irate and hang up on me. Not 5 minutes later, another call from another agent stating the same thing. What am I to do. This is the second time they do this to me. The first time, I just paid it. And am still waiting for my refund for that check from last year. No one in the whole Citi place can tell me where it is or what they did with the second check. To top it all off, they recently upped my insurance escrow stating that my insurance went up and that I need to pay the remainder. Needless to say that I called the insurance company themselves to see why it went up and guess what? It did not go up, it went down. I had to request the insurance company to send me proof of that to send to Citi and have since sent it to them 18 times. They still have not fixed it. My house note is now up to 1000. a month when my actual house payment is only 624. Can anyone explain any of this to me? How can a company do such things to people and get away with it?

tdmilst 4/7/10 10:40PM
I agree 100% with all the complaints towards this type company,,,bad and confusing customer service, never return calls when they say they will, put you on hold forever and latter disconnet or transfer you back and forth...I thougt I was alone on this but I tried to modify my loan over a year ago, I have to wait this long and now they tell me I'm not qualified due to lack of information but I faxed every single paper work they told me to fax over,,,,and now they are sending certified letters saying I need to pay $12,000 after I've been paying a partial payment they told me to pay,,,so frustrating......what a company ....

pete 4/6/10 5:16PM
Citi Mortgage flat out robbed me. Do not refi or do any business with Citi. I paid them a $445 fee in August 2009 after they guaranteed loan approval. After sending them the paperwork 3 different times they rejected the application 7 months later. The fee should have been returned with the rejection letter. Numerous e-mails and phone calls have been made to the loan officer and his manager who have stopped answering the calls. I will never stop until the money is returned. On another note, if you are struggling with credit card payments and have a Citi account, consider paying everyone else and not paying Citi.

Anonymous 4/6/10 12:16PM
terrible customer service....I refinanced my home through Citi last summer and the mortgage person from Michigan, Abigail Edwards, issued a check to payoff a debt despite the fact that I told her that it was not a valid debt, and provided proof. Now, I have been trying to recoup the $880 for just inder a year. The more I complain the more they ignore me.....if you're thinking of financing or refing thru Cit DONT DO IT!!!

Anonymous 4/6/10 10:39AM
reading your comments and adding my own experience to them, i think we should go for a class action. I don't know which is their reason to send an approval and make you doing all the paper works even twice and one moment before closing to cancel under some obscure reason. all in all, most of us lost the citi broker's fee and plenty of time. this is so class action. or is there a classified law which prevents them for according mortgages to real working people?

MLD_NY 4/5/10 11:45AM
We have had a mortgage with Citi for over 2 years and included in our mortgage note was a Timely Payment Rewards Addendum to reduce our rate for on-time payments after 24 months. This was not an automatic rate reduction... We had to contact them to request it, fax in the paperwork (because apparently they don't have it), call them again because they did not get back to us (after more than a month), first told they no longer offer that program (so they aren't honoring their legal contract), then told, sorry, wrong program. Then told, you need to wait three more months when the 24 month anniversary was almost FOUR months ago. Told I will need to fax in my paperwork again because they don't have the records. When connected to a customer service manager after over 20 minutes on the phone - he can not hear me and has not managed to call back - despite repeating my phone number accurately back to me!
DO NOT USE THIS COMPANY. I will be filing a complaint with the BBB because this is fraud.

hatethismortgage 3/29/10 4:49PM
we applied for a refinance and paid a $455.00 up front fee and were told we would close in 55 days. we were not able to speak with our loan prosessor in person. she would not return our calls. the loan went out to 120 days and they dropped it. they will not return our calls and we cannot get our money back. we feel we were scamed.

Anonymous 3/26/10 3:17PM
One login per account??? What is this? My husband and I are divorced. All I want is for us to have separate logins, so we both login and view the account separately. But NOOO. This is impossible because of "security reasons", each account can only have one login, even if it is a joint account. Really??? I was on the phone for 50 minutes, first talking to someone in India, then he transferred me to his supervisor in India. The static on the phone was SOOOO terrible, I could barely understand him. All I wanted was a separate login. No one could help me, or even say that I wasn't crazy for thinking that it was normal to offer that! They suggested my EX husband and I share our login and password info. Really, and you are worried about security?? Finally, they transferred me to another manager (after assuring me many times I was not going to get my way and be able to speak with someone who could make decisions and tell me a legitimate reason why they didn't offer this. This manager was nicer, however, when I finally said my peace and just asked for a valid explanation, he said for security reasons, and hung up on me. Then he proceeds to call my ex husband and state that I hung up on him, and he wanted to check back in with me. My ex gave him my phone # and the guy still never called me back!! AARGH, I am so disappointed. POOOOOORRR service and obviously either still living in the stoneage when a joint account means one person or they are too CHEAP to pay to add more people to their internet banking database, wish I guess is the latter. I am not one of those people that doesn't pay my mortgage, that is obviously why I wanted the login, so I could make sure it was never late. Stress leve = 10. Citimortgage is not a good company.

cariberrypie 3/26/10 1:35PM
all those screwed by Citimortgage:
Under Section 6 of RESPA Citimorgage is required to acknowledge a request within 20 business days and must try to resolve the issue within 60 business days. You need to send them your complaints and we might need and should file a class action. they deny people based on????? their lies. all they want is our money for a "processing loan"...
call customer service and ask where to send your letter. i got some fax numbers and an address but not sure are the right ones, still looking.

ML, NY 3/26/10 7:10AM
CITIMortgage screwed me out of $550.00 in a refinace scam. Played me along for 4 mos after approval, and just waiting for the closing date, then they tell me I don't qualify. I have been a CITI customer for the last 5 yrs, I have never been late, and I am current with my mortgage. Nice customer relations CITI has!!

Larry MN 3/26/10 6:37AM
Citi broker P.E.with Citimorgage charged $500 for processing a refinance loan. not only that he didn't do anything but he lied accusing my management corporation for delay. Therefore, the lock in rate expires and he doesn't want to return the money. I am very frustrated and i will dispute it until i will get the money back. but i want that everybody to know CITI is a bad company and you should stay away from them.

Unhappy Citi customer 3/25/10 9:20AM
wow, so i'm not the only person with Citi problems. i was told by the assumption department it would be 60 to 90 days to remove my ex-wifes name off the mortgage. A year later i'm told her name was off, then i get a customer service rep. recently tell me that she isn't. i called for my corrected 1098 form for my taxes. here it is almost the end of March. my first copy had my s.s number mixed with my telephone number. my ex-wife recieved my 1098 with my correct s.s. number and a totally different interrest paid amount. what a joke this company is. it doesn't do any good to write a letter of complaint, they won't respond. the best of luck to all you citi. customers...you'll need it. p.s. if you cuss they'll hang up on you. apparently i have nothing to be pissed about.

pissed in michigan 3/25/10 7:00AM
Customer service is the worst I have experienced. Ages on hold and THEN they disconnect you!

Roadie53 3/24/10 11:52AM
I have been going through this modification since May 2009. I've sent the same documents 3 times and they still can't seem to find anything. Doesn't look like I'll be approved anytime soon and it's now almost 11 months into it.

Anonymous 3/24/10 11:01AM
Wow! and I thought I was alone. Look around at all of these web sites with the same issues. Here are two more to get you started." http://themortgageinsider.net/mortgage-reviews/citimortgage-review.html/comment-page-13/#comment-29332, and http://www.afscanhelp.com/companies/mortgage-companies/citi-mortgage.cfm.
We made an attempt to take advantage of the help that was offered to us. We are hard working people that take pride in our families, communities, and we are people of integrity. Before I began the process of a loan modification through Citi-bank, my fico scores for all three bureaus were 798, all three! I have owned a condo for 10 years, lived in it for 7 years and I have been leasing it out for the last three years, never late not one time. I have owned my home for 3 years, never late, not one time. Every credit card, every utility bill, any and every bill that I have, has always been paid on time, hence the high fico scores.
Now here's my repulsive story in regards to Citimortgage and their horrible customer service and unethical practices. I will copy and paste my story because I am posting it everywhere that I can to anyone that will listen. Hopefully this will help prevent some unknowing family from going down this very destructive, stressful, unhealthy, road.
I have been in the process of acquiring a loan mod for the last year. It finally closed, after much turmoil, but when I tell you it was a night-mare, Freddy Kruger has nothing on CitiMortgage.
I have never been late on my mortgages not one time since there inceptions. I lost a large portion of my wages due to downsizing, and lost about $120,000 in equity depreciation in my home. I had to do everything I could to pay my mortgage on time, I used savings, credit cards, borrowed, whatever I had to do, but I have never been late. Before beginning this process I asked three different representatives if a modification would affect my credit. (My fico scores were 798 for all three bureaus) I was told, no it won't affect your score, it will only show that you are in the process of a modification.
The beginning of the process was so stressful that I found myself literally crying on the phone to one rep., because of the frustration from the stress of dealing with representatives that literally did not know what they were doing. "Unbelievable" All I could do was follow the instructions that they gave me and that's what I did to the letter. I was told I was approved, two weeks later I was told I wasn't approved, two weeks later I was told I was approved, and to begin making the trial period payment of $1,896.00. When I was told this, I put much emphasis on the question regarding my credit. "Will this affect my credit score?" "No Ms._____, it will only show that you are in the process of getting a home modification and that won't even be reported for at least three months."
During the course of the modification, I was sent finalized paperwork after the trial period, with a payment of $1,235.00 PITI. I sign the documents, had them notarized and mailed them back. I called to ask a question and was congratulated on the closing of my modification, by a underwriter named Ryan, with the congrats, he just happened to mention that my new payment was $1,786.00. I told him "no Ryan the final docs I signed, notarized and sent back, were for $1,235.00 PITI. (I hope you are sitting down) Ryan went on to tell me that they mailed me out the wrong documents. "Oops were so sorry" we will send out the correct final replacement docs @ $1,786.00mo for your signature right away." Was I in a nightmare, could this be real? YES it's real! Unbelievably real!!!
The loan modification is finalized, but guess what? It�s finalized with one payment in arrears. They close out my account with the new balance, showing me one month in arrears. How in the world do you open new acct. after a modification, where the entire loan was closed out to a (0) zero and still wrongfully show a payment in arrears. But I hope you�re still sitting down, because it gets better! Citimortgage had the nerve, the audacity to report to my credit bureau that I have been 4 x 90 days late on Citibank mortgage. I am so mad, that even typing this, my blood pressure has to be sky high right now, because I feel so much pressure, my neck gets so tight it's hard to turn my head, I can just scream right now!, I need to walk away for minute. Ok, I'm back.
I had AAA credit and no where on my credit report does it say anything about a loan modification, only that I have been 4 X 90 days late, which is a bald faced lie.
When you call them, you can never speak to the same person twice. Anything that a supervisor or rep tells you they are going to do in your favor, like fixing their mess, you can forget it, because you will never hear from them again.
I just called them yesterday to find out why they have note fixed this stupid mistake of theirs with showing me a month in arrears. They told me last week that it was because they had no record of my January 2010 payment. Asked me to do the research and send them the proof. I copied my Wells Fargo paid transaction page, faxed it to the number that was given, low and behold, the number was wrong. Spoke to a rep who said, yes that is the right number, not sure why it didn't work. She looked in the system and saw that the supervisor I spoke to also mailed a letter to my home with the instructions to mail the info to the self addressed address on the letter. The rep told me to wait until I received the letter and send in my proof that way, since she couldn't figure out why the fax number wasn't working. I mailed all of the info in the envelope provided, waited a week in a half, called to see if they received it and what was being done. Oh, they can't find it. Then this new rep gave me the same fax number that the other two had given me and told me to fax the info. (WOW) This is after being on the phone for 1 hour holding. Had to call back, spoke to another rep that said, "We see that you made your payment, but it wasn't posted to your account, I'm trying to find where the money was posted, she kept me on hold for 30 min, then the phone went dead. While all of this is happening they are surely still reporting false derogatory information to the credit bureaus. Today is 3/19/2010, I will not stop until this is rectified. You will surely see me when you look up, employees of Citibank. Remember Citibank is only the name of the Company; it's the people that work there, that is causing all of this distress.
I am willing to do whatever needs to be done. I was already looking for the CEO's info, that's how I stumbled across this blog. I am going to send a letter, I am going to call, I am writing the President, and I am calling channel 2 news.
Let me know if there is a site or document that anyone needs signed. If there is a news channel that needs people to come forth. I will even fly if I have to. This is wrong. I pray for all of the people that are sitting behind those desks and letting this happen, because you reap what you sow. believe that!

People, we have to stop sitting by and letting things like this happen, we have the control and the power. I totally disagree with John when he said �there is nothing we can do.� There is something we can do, if we are willing to put in the time. When the gas prices skyrocketed, we could have done something, not alone, but together. There were a lot of creative ways to drive the prices down, there still are. But we listen to people like John, who obviously have it all together, and plenty extra money in the bank. We could have only purchased gas from one of the Brands, and guess what. I bet the others would have come down on their prices, or would have gone out of business. (and you know they are not going to do that.) The greed and unfairness has gone too far. We are the ones with the power. We have to utilize it. But we don�t want to be inconvenienced, so sit by and let it happen. Well I�m going to be inconvenienced.

God bless everyone that has been affected. I truly believe that what the devil has meant for our harm, God will surely turn around and use for our good!

Does anyone know how to post our names, email addresses and phone numbers so that we can get in touch with each other. It�s not permissible to do that on the blogs?

Classy 3/22/10 6:29PM
This is the most un organized mortgage co. I have every seen not one of the customer service peolpe can give you the same comments to a ?

terrygenier927@msn.com 3/18/10 4:00PM
I went to a CitiMortgage lending consultant (for a loan pre-qual) in San Francisco Financial District. I have a 2pm appointment. I arrived at 1:35, looked for the guy and realized he is on the phone. He knew I was waiting. 1:50 came, he finished talking, walked passed me, nodded, used his phone again and walked away. 2pm came, I sat closer to him, and waited until 2:30. He was talking to a person inquiring about a load refinance I think. He could've just acknowledged me or apologize, but NONE of that happened. I was so upset. Then I told him I have an appointment at 2:45pm, I have to leave. The personal banker sitting across from him said..."the lady's waiting for you.". Then he hanged up the phone, and told me.."Thank you for waiting.". I find this guy so unprofessional and airy. I am a citibank customer, but I will give my business somewhere else...maybe Wells Fargo.
I got my pre-qual letter, but I left so disappointed with the customer service I got.

Olive 3/18/10 2:13PM
I would agree with all statements regarding the customer service support by this company. I had a loan with them and wanted to refinance, which they told me that once I put up the $250.00 loan application that only $50.00 of it would be non-refundable. Well they LIED, and kept the $200.00, which was part of the fee. I was told that since I changed my mind; it was a non-refundable exchange. Who has $200.00 to just give away in today's economic nightmare. Horrible, horrible service. If you have them as a mortgage lender - run, run very fast!

Very unhappy GA

Very Unhappy GA 3/16/10 7:37PM
Like many I am experiencing hard times due to a drastic reduction in income.I was fortunate to have my loan modified to a payment that I can afford.

The guidelines of the loan modification agreement as published by the treasury department clearly state that all late fees accrued by the borrower will be waived.

Since the loan modification agreement was completed Citimortgage has been trying to bill me for an extra $248.30 for something they call a "Delinquency expense fee "

Everytime I call I get a diffrent answer.
One person told me it was for an inspection fee. Someone else told me it was a reinstatement fee. Since all these charges were due to me being late it is my believe they all fall under late fee charges and due to the loan modification guidelines should be waived.

Since I get a different answer every time its my believe that Citimortgage did not even investigate it . They just tacked it on figuring they did not have to answer to anyone.

Has anyone had a similar experience ?
Can anyone advise on what action to take ?

Thanks,
Matt

Anonymous 3/12/10 3:20PM
i HAVE BEEN TRYING TO GIVE THEM $80,000 TO PAYDOWN OUR MORTGAGE FOR 2 MONTHS!! tHEY REFUSE TO ACCEPT IT AND LOWER OUR PAYMENT BECAUSE WE HAVE BEEN LATE IN THE PAST AND CURRENTLY. wE ARE TRYING TO LOWER OUR HOUSE PAYMENT TO THE POINT WE CAN AFFORD IT - WHAT IS WRONG WITH THAT? THEY ALWAYS HANG UP ON ME AND CAN NEVER GET ANYONE ON THE PHONE THAT IS KNOWLEDGABLE ENOUGH TO HELP. I HATE THEM!!!!!!!!

rjgizmo 3/11/10 6:57AM
They are terrible or worse. It's impossible to understand many of their customer service reps because of their limited English. They are unable to communicate the information you request via phone. They don't respond to letters promptly or at all or they don't send you the information you request even when you write the details for them.

Perseus 3/10/10 11:18PM
Our experience has been pure HELL! We have been trying to refinance our home for well over a year now. All we get is.....we need this now, we need this now....we need this now, oftentimes being the same documents over and over. Our file was handed over to at least three different people each time the new having no idea what had been done prior to them receiving our case which then resulted in us faxing the same documents over and over. We can never get our supposed case worker to return calls in a timely manner and she is forever threatening to cancel our loan application. Refinancing should take 1 month tops and here we are in over 12 months already and still waiting. Citibank is a joke and if this ever gets finished I will cancel all of my citibank cards and NEVER use them ever again in my life for anything.

sunnbchgirl 3/10/10 1:30AM
Citmortgage is in my opinion nothing but a bunch of liars and gutless people. when you callm a person well over 50 times and first he never answers the phone and of course never returns a call. Then by some miracle you get a real person on the phone they send you to his voice mail again.. His name is Douglas Barry in Fredrick Maryland. This donkeys phone number is 877-538-3652 @ ext 1680220. Give him a call , don't worry he does not answer or just maybe he really does not exist. you are in the citibank twilight zone!!!!

jjbone 3/8/10 2:00PM
I have been trying to get thru the Citi-Mortgage phone system for weeks, no avail. I can substantiate other comments about their phone system. Poor quaility sound; can't hear what the other person is saying, they mumble their name so you can not understand it and then state "I am sorry, you call has been routed to the wrong desk" "No, I can not transfer you, my phone does not have an exit out" Also, I have been disconnected several times.

JV 3/6/10 9:02AM
I had been submitting monthly payments to CitiMortgage having forgot or not understanding that CitiMortgage was also automatically taking out payments from my checking account. I am trying to get my money back for the overpayments with no resolution after two weeks.

Customer1st 3/3/10 12:50PM
Difficult to understand the customer service reps due to their foreign accents. Poor reception (difficult to hear) via cell phone and land line. I double checked to see whether there was a problem with my phones by calling other 1-800 numbers and the reception came through loud and clear with the other 1-800 calls I made.

Customer1st 3/3/10 12:34PM
Since my experience with Citi, I am sure this complaint will go nowhere, so this is for those folks who are looking for answers regadarding Citi's service. How interesting to see that in the Terms and Conditions "We reserve the right to modify, publish and utilize the submitted information at our sole discretion". So Citi reserves the right to "modify" my comments. Interesting.

For 6 months I have been "working" with CitiMortgage to find options to pay my mortgage. 4 months ago my income level plummeted, and as a result, got behind on my payments. I called Citi 2 months before it happened to see what options I would have. Basically, I was told, nothing. Their service has been deplorable, and for anyone out there in a similar situation I say, DO NOT waste your time. I have spent HOURS contacting Citi, hours which I could have been working and making money! They might call, but they won't leave messages, or they will hang up on you. My "file" was sent to an attorney for collections 2 weeks ago, unbeknownst to me until I got a letter in the mail. This was never mentioned by Citi even though I had talked to them the previous day. The letter stated they had been unable to reach me so had referred my case to an attorney. This was a boldface lie!!!! I was in FREQUENT contact with Citi, all initiated by me, except for one call last weekend. I even asked Citi specifically for the payoff amount which they claimed they couldn't give me - had to come from the attorney - yet when I talked to the attorney, I was told the fees are generated by CITI, and YES, they could have given me the payoff.

Yesterday I was told I could not even make a payment because the mortgage was in foreclosure. Today I called, and they asked if I was ready to pay the $6000 or so that I owed. So which is it - can I pay you or not. When I let them know I had a contract for sale on my house, they put me on hold for 10 minutes, then cycled me back through the automated system. Obviously, Citi is not the last bit interested in working with me.

My next mortgage will not be with Citi or a credit card or a bank account. I will survive this financial setback and I will be a borrower again. I will also make it my mission to blog and write letters and take every opportunity to inform others of the deplorable service from this company. Word of mouth advertising is still the best and this mouth will be saying plenty.

Citi received funds from the Obama bailout, but who is getting those funds?? Citi does NOT want to work with you. NO QUESTION. This is not a company to trust.

tjohnston 2/24/10 9:09AM
For the past 4 months, I have been working with CitiMortgage to refinance my 1st and 2nd mortgages, which are both currently with Citi. In November of 2009, I received an attachment to my mortgage billing statement from Citi that offered $500 off at closing if I were to refinance. I promptly called Citi and requested a quote to refinance. The Mortgage Consultant offered to refinance both my 1st and 2nd mortgage into one mortgage at a significantly lower rate through the DU Refi Plus program. I was very conservative in my estimate of my home value and discussed with the consultant of what would happen if the home value was lower upon appraisal. In a rush to get the deal completed, the Consultant reassured me that a change in value would not significantly change the refinancing deal we worked out and if it did, my application fee of $460 would be returned. The appraisal indeed came in lower than expected. It took several months (until Feb 2010) for Citi to come back to me with confirmation from their underwriting department. Throughout December and January, I repeatedly attempted to contact (via phone and email) my consultant. However, I received one response. The Consultant again reassured me the deal would get completed and went as far saying it would definitely be complete by the end of January 2010. The Mortgage Consultant finally, after receiving multiple emails and phone message from me a day, came back in mid February 2010 and advised that the 2nd mortgage was not able to refinanced through the DU Refi Plus program. This was the deal Citi offered me! I was not even seeking to refinance my 2nd mortgage originally. He also informed me that due to the appraisal being lower than the estimated home value, Citi's Underwriting department charged me an additional 1/2 point on my mortgage. To throw the icing on the cake, he informed me that the deal change was not Citi's fault and that I would still be saving substantial money, despite higher closing costs and higher monthly payments. It is definitely Citi's tactic to give a good deal upfront and then change it through the underwriting process. Now, I am fighting tooth and nail to get my $460 refunded, which the Consultant assured me would be refunded if the terms of the deal changed. After all of this, I am ready to cease all my business relationships with this pathetic company and definitely do not recommend the hassle of working with Citi.

Anonymous 2/22/10 10:59AM
This is a very sorry mortgage company. When the company makes a mistake and tells you they made a mistake and will take care of it, that's a lie. I am being charged Delinquency Expense fee of $84.00 on my statement. I am not in delinquency or have been late on my loan payments. This started in December 2009 and still is a open nightmare. I have called every month since then. Get the same information, you have not been late on your payment and this is still open and being investigated. Each month the $84.00 is being waived and you do not have to pay it. I called today 2/20/10 for a status. I did talk to one customer service person, stating the same information, still open; let me put you on hold to find out more information. I was on hold for 10 minutes and no one came back so I hung up and called back. Went through the automatic information pressed O and no one picked up then the phone hung up. I called back again. Went through the automatic information and the same thing, I was hung up on. By the company initially telling me that this was their mistake and an investigation will be made as to why this charge was applied to my account, if a bunch of bull ----! I went as far as making a copy of the previous statement to show that their was not any delinquent information to the statement. One customer service person asked me if I had received any documentation in the mail that stated a delinquency, appraisal, lawyer fee and the answer was NO!They also told me that I should have received some type of documentation in the mail that would inform me of this. I know there are a lot of people having problems with their mortgage loans, but I am not one of them. I think an account number was missed key and the company just want to charge me $84.00 to help out on some other delinquent loan. They are just trying to get additional money and don't care who they hurt or who's credit they mess up. I was told in January 2010 to call back in March 2010, but I have called each month starting with December 2009. It is a shame when a large Mortgage Company like this one, that has CSR hang up on you. I guess my name and number is RED FLAGGED. So be it. I am not going to pay the $84.00 a third-party expenses such as a property inspection fee, which I did not have my property inspected, property preservation costs, whatever, appraisal costs, not, and attorney fees incurred by CMI as a result of default. There has been no default, no adjustment on my loan and no late payments. Like I said, they are just trying to get money out of people that pay on time. Kiss my grits!!!!

Thank you,
P. Nichols

Anonymous 2/20/10 2:26PM
One year ago my wife and I started trying to refinance our mortgage to a fixed mortgage with citi, we talk to everyone, they recommended that they would put us on a modified program for 3 months trail period(last year)beginning in September thru November at a reduce amount, we paid that amount on time for 3 months in fact paid it ahead of time(we where very proactive in paying)at the end of that trial period we where never contacted to let us know the out come of the modified program,so we called to see what was going on, we where informed that we did not qualify for the modification,yet we got nothing in writing or a phone call telling us that we did not qualify and why we did not, talk to Supervisor who explained that we should receive something in the mail( we never did) but we where told that we had to make up the difference between the modified payment and what our regular payment was, and also this impacted our credit because it was consider a late payment. We paid the difference and if they would remove the late payment status on our credit report,even though we had made arrangement to pay at the end of November,plus our regular payment going forward, still to this day they have not remove the late payment status from our credit report although we have call many times. We have always paid our mortgage on time for the past 10 years and we where trying to be proactive in trying to refinance our current mortgage which goes up in August of 2010, at that time we will probaly walk away from our home because we fill that we will not be able to afford it at that time, we have tried other Mortgage companies but they tell us that we do not qualify due to our current credit status which is due to Citi's behavior in this matter, we are asking for someone out there to give us some direction as to what we can do at this time.

coach 2/19/10 6:44PM
We have been attempting to have our mortgage modified since I was layed off Feb.6, 2009.
Our loan was purchased by Citimortgage in 2006. I started paperwork for their HAM program,and it was lost 3 times and acknowledged in May, lost again and finally we were to start July on a trial payment but once the paperwork came out it was to start in September. Citi messed with my credit ratings stating we had missed (2) payments but they were 'lost' in their system.
MONTHS of calling,getting India, and other countries. Each and every time through the given phone answering system. Horrible service, horrible. Left hand doesn't know what right hand is doing and each blames the other. No way to receive email, only snail mail or expensive overnighting by Citi, to wrong adresses.

Citipoor 2/17/10 4:00PM
After doing research that led me to this and several other sites regarding Citimortgage and their inept as well as alleged devious practices , I am returning my unendorsed insurance check to State Farm and requestng their approved flooring contractor do the repairs so that I do not become trapped in Citi's financial maelstrom. Thank God for the people who posted their experiences, and I wish them all well in extricating themselves from Citimortgage's grip.

Livingonconcretefloors 2/11/10 7:42AM
This is my second dealing with Citi Mortgage when it came to an insurance claim. They hold your money until a percentage of the work is done. Problem is they do not even release enough to get the work started. It takes a minimum of two weeks for them to process anything and that is only if they enter it in the system correctly. Even when they fault you and your insurance company are the ones that are penalized. When you call their department you always get someone new that has to catch up on the account because they refuse to give you numbers for direct contacts or even management. My family and I are going to be out of our house another month because of this companies failures. If I did not love my house so much I would let them foreclose on it for dealing with that would be easier than dealing with them. I am so frustrated because I sent everything in advance this time because of the previous issues and yet they still fail to get things right. I cannot wait till my house is repaired and I will be refinancing. This company is nothing but a total failure. You would think with this world's economy they would want to keep their paying customers. I guess not because if they did, they would not hold my money that my insurance company paid me to make repairs.

I have written a letter to the Attorney General's office to complain and hoping that I can get resolution. If not, if I save one person from signing with them, then I have done someone a favor.

Furious 2/4/10 7:04PM
So frustrated. Filed the necessary request for loan modification, and have heard nothing from CitiMortgage. Tried to call, always a different person and no one knows what is going on. Went to Citi Bank in my area and again no one knows what is going on. There is no specific person handling my claim, it appears it's going in circles down the toilet.

Anonymous 2/4/10 2:57PM
I don't understeand the way how citimortgage apply the mortgage payment to your costumers
My last estatement is confused , totally diferent to the prior statements , show like that I'm behind with monthly payments , and actually a send may payments on time .
After I spoke with costumer service their explanation is confused

Anonymous 2/2/10 10:14AM
Who governs this company. If my research is correct they received 45 billion dollars to bail them out of trouble. Well I need to find a live person who understands the mortgage industry. I have been trying to make a payment on an account of over 25,000 and no one will give me any advise as to how they came up with this over due amount. The mortgage payments that have been made to date are missing a year and a half of payments. No one knows were the money went. So the payments have not been received and now they want a big payment all at once. So I have accepted an offer on part of my property to bring this account to date and it has been almost three months trying to get a partial release. Then today they say they can't release it without the full payment and another $300.00 all this while I sit on hold for over three hours. Someone needs to investigate this company and their business practices. Where is the government when you need them? I need help anyone got any advice on how to solve this.

tryingtomoveon 2/1/10 8:17PM
I have tried to contact city mortgage a number of times to make my Feb/2010 mortgage payment under my new plan .The automated systems always hangs up on me when I ask for a customer service rep I will not be held responsible if it is considered late

Anonymous 1/31/10 10:56AM
citi mortgage is the worst. shoud get 0 stars! stay away. they really suck the big one....

mr smith 1/28/10 7:26PM
We had Citimortgage with our recently sold home so went with them again with our new purchase. We are still waiting for a substantial escrow reembursement due from that sale. I totally agree, I wait an hour sometimes waiting to talk with a supervisor only to get the same person that answered the phone. Duh? Most of the time you can't understand them and they really don't give a care about your problem. It's just lip service. I am so disappointed in the service we have received thru customer service. Those (Americans) that worked with us were the most helpful and have no regrets dealing with them. I have been disconnected many times, then hoping to get an english speaking person on the next try, to no avail. They have had OUR money for over a month.....with "its in the mail" comeback till I am sick of it! Isn't there a higher, more ept representative out there to help?

Anonymous 1/23/10 2:21PM
I purchased a home in 2007. In 2009 I received a letter from the Md Health Department that my water has been contaminated with high levels of fecal coliform and E-coli and the water is unfit for human consumption, bathing, washing dishes and laundry. My family and I have been sick for over two years suffering from diarrhea, stomach cramps, headache's and nausea, direct symptoms from drinking contaminated well water. I found out in 2009 that there has been a law in effect that mortgage companies are required to have the water tested on homes that have wells prior to transfer of funds. (Underwriters oversight?) I have contacted Citi on countless and numerous occasions to help us with this problem since my family and I are unable to now live in the home and we have to pay to live some place else and they want us to continue to pay the mortgage even though the home was considered condemed in 2005 by the county Permits and Licensing. They have offered 0 help and we are at a loss. I will not take responsibility for their oversight. If anyone knows of any assistance please help me and my family it would be greatly appreciated,

Sufferingfamily 1/20/10 7:44PM
My husband was laid off June 2009 from his job after 9 years with the same company.. Citimortgage took over our loan in 2006?
We used his severance to pay the monthly mortgage..Then we had to start paying cobra ins and with my health we couldn't lose MY medical or life ins....I filled out a hardship application in Sept/Oct 2009~ I have been calling often asking what is happening. I got a letter on Dec 5 2009 that stated I had 7 days to send in my proof of income..etc...and I didn't receive this letter until Dec 5th in the afternoon on a Sat. and it was dated Dec 1st 2009.
I got my paper work and faxed it on the morning of Dec 7th the seventh day...called back on Dec 10th was told they didn't get it in time and closed the case...But would open it back since I did send it in on time.
Was also told a counselor would call me by or before Dec 24th and if they didn't I could call them and they would give me the counselor's info...No call ever except for collections. I called was told no one has reviewed the case I would just have to wait..I called a couple of more time~ no change and was told by one employee I should have never been told that someone would call me on Dec 24th!! I called tonight to find out what was going on if there was any change yet..Was told that a counselor had reviewed my case on Dec 26th and was waiting on proof of income (that I had already faxed on Dec 7th) and waiting for me to update my workable solutions application....was told if I didn't resubmit/re fax proof or update app. that my case would sit in limbo!! I have also gotten workers that are from India and can't hardly understand them (I always ask to speak to someone in the untied states) Hubby and I our 4 months behind in our mortgage payments/credit is ruined. There are many, many sites that are bashing Citi and I Have told Citi this but they care. I am afraid they are stringing us along and they will foreclose anyway no matter what we do at this point...I have health problems and does my 7 year old..My hubby is in school till June 2010 to try to get a better job. The CEO of Citi is a foreigner..go figure....I am disgusted with Citi and I will be contacting EVERY agency that I find that can hopefully help me. if not we will walk away BUT not until I contact every state/national media outlet I can and let them know what fraudulent, lying, no good, greedy, moronic, crooks they are!!
Oh and I am outraged that Citi was one of the first in line to get their gov. bail out money and they won't help their customer's at all!! I wish the government would get a clue and investigate Citi and shut them down for good!!
Just google or type Citimortgage in your computer search engine and see how many sites pop up saying the same thing that is on here...How greedy of Citi!!

Outraged 1/14/10 4:38AM
I tried to refinance with Citimortgage because our primary mortgage was with them. I thought this would be quicker since I've never been late with my payments. In fact, I always pay a few hundreds more than my monthly mortgage
I started in Sept. 2009. Finally, after submitting all their requirements in October, they replied that it may take a few weeks to process it. I've already spent almost a thousand dollars- processing and appraisal of home. I tried to follow-up with no response from them. Then in mid December, they respond telling me to submit 7 more requirements. I said that it would take more time to prepare all these added requirements. All this time , the loan officer only communicated with me thru email, never by phone. Then on Dec. 24, she writes me a letter -an ultimatum that 10 days from the date12/24would be my deadline for submitting the 7 requirements plus an additional 6 other requirements. I received this letter on Jan.3. I tried to call her, emailed her, call her manager- all to no avail. I called a customer representative who says my loan has been declined. I receive another letter after a week but dated 1/04/2010 stating that I withdrew my loan application. Complaining to management would be a futile thing to do.
I'm just telling this to forewarn future applicants to steer away from Citimotgage.
I'm just so busy with our new business now but once I have the time I'm going to transfer my mortgage to another company.

chloe 1/12/10 1:42PM
If I could give them a zero rating I would. Unfortunately the lowest the system allow me to give is a one star. This company doesn't even deserve a single star. I had a loan with them back in 2004. We have since changed to another mortgage company but they never closed out our loan in their system. Although it is clearly their fault I have been unable to address this with them. Their customer service is horrible and in India. I have already called 3 times to have the same fax ordered.

If you can steer clear of this company. They should go out of business.

Jim 1/5/10 9:41AM
My refinance through Citimortgage was the absolutely WORST experience of my life. Do yourself a favor and look elsewhere.

LadyLes 1/4/10 5:41PM
Citi/CMI/CitiBank/CitiMortgage

I have battled Citi since June of 2009. The battle rages as of 12/31/09. My experience in claims, documantation and communication provide me a tiny yet affective defense against this group of orchestrated financial predators. Additionally, I received information from disgruntled employees, working for Citi, that made the difference in me losing my house to foreclosure or keeping the house. In addition, making conference calls, with Greenpath, to multiple Citi locations and the law firm that filed the foreclosure action here in Ohio, was helpful to let Citi know I was not alone. I am filing complaints with each of the states where Citi has originated telephone conversation about this issue. I have never experienced such a sophisticated plan to use deceptive communication methodologies to execute banking, and neither has anyone else. Having used this methodology to get significant TARP money, it may become clear to some that Citi has no scruples, morals or ethics as it pertains to mutually beneficial lending. Citi's planned web of deceipt fooled the US Government into "bailing them out". My point being - folks with less experience in legal matters and fewer resources than I have, would have lost their homes in foreclosure.The extremely compatmentalized divisions of Citi have been developed to provide CitiMortgage with an arsenal of response mechanisms that are not mutually beneficial for the lender and the borrower. BE CAREFUL! Citi is a predator that has conditioned the majority of their employees to walk the company line. In my case, Citi lost a payment and I demanded resolution before making my next payment. That upset Citi, so they executed a fraudulent lien. 3 Citi employees, of the more than 40 I spoke to, gave me significant details about Citi's internal policies. That information was one key to me being able to stand against this behemoth as long as I have.

John Z 12/31/09 4:26AM
Multiple Calls, Many dropped calls on transfers, Repeated same information 3-4 time in same calls, Reached voicemail many times with no response back. Canceled home phone due to repeated automated Citi calls.
Really bad service

Anonymous 12/28/09 9:00AM
We are Citimortgage holders (unfortunately) anyone that is trying to modify your loan with them according to the Homeowners Affordability and Stability you HAVE to be annoyingly persistant. My wife and I called them everyday for 4 months and were unrelenting; even went as far as writing our Congressman. Which, I don't know if it was coincidental or not, but 2 weeks after receiving a very detailed written response from our Congressman Citimortgage actually contacted us to let us know that they were going to rework our mortgage according to the plan passed by the Senate up to that point they had insisted that Citi wasn't a participant in the plan. So, anyone that is struggling as we were don't give up.

Twinsdad 12/16/09 12:35PM
I have my home financed by CitiMortgage (not by choice)and I have to say this company has the worst customer service in the world. I have yet to get to talk to an American when I try to ask a question and most of these peopole have no clue as to what I am asking them for. My husband passed away and I have been trying to find out if I need to do anything concerning the mortgage and all I get is a run-around as they switch me from one number to another continously! I talked to 5 different people yesterday and today they called me and they hung up on me!! I certainly will never reccommend them to anyone for mortgage service!

Anonymous 12/15/09 2:19PM
CitiMortgage is the worst company to work with regarding mortgage needs. They are nothing but backstabbing bloodsuckers who are only out to make a profit. They dont care about their customers or customers needs.
My husband and I were laid off this year. We purcahsed our home three years ago for $177,000 and made timely payments for three years until the lay off. Then we made two partial payments and missed a payment on our mortgage. We sold our property at a loss because we sold it for less than it was worth. When we attempted to pay off the balance which we believed to be $169,000 but Citimortgage added exorbitant interest fees that equaled what the house was purchased for. The payment was sent to them early enough, so that they would have to refund us some of the interest fees which was almost $1500. They took over four weeks to send the check and when it arrived it was short almost $500. We really needed this money as we are struggling and its all we made from the sell of the home. We contacted them 4 different times and were told various things i.e., the money was sent in 3 different payments, etc. The check never arrived and then we were told that the money was held for some back insurance which is outrageous especially since we paid $7000 in interest. The point is that they robbed us and we are going to file a suit, the amount owed may not be much but its the principle of the entire situation. Because of their greed, we got nothing from the sell of our home and are on the verge of homelessness.

Will never refer anyone! 12/11/09 8:45AM
Needless to say. I am frightened by the lac of support by the Government. Not a handout, but no one is minding the store. I have been in a loan modification for nine months. I began with Giving a Mortgage Help Company in Bakersfield who promised to help with a loan modification. They took 3,500 and are now practicing business in Utah. GreenLeaf Modify was working with Mortgage Help. They too have left the picture. I have been on my own for about six months trying to get the paperwork through. I have sent 8 hardship letters. They still to this day say they have not received it. They have have now requested a 4506T letter (This is an IRS form) in order for Citimortgage to view tax returns. They say it is expired. How can a form be expired when the tax returns have not changed. They had this form. Looked at the tax returns, and what? They do not need this form again. These are just a few of the things I have experienced. Many of the phone calls I have made are to people who are customer service overseas. They speak English. They read off of a screen, and many times do not know what they have just read to you. Their accents are so thick I don't know what they said.
To date, I have made my last payment in accordance with a trial period program that they put me on. They (a person in customer service)told me that my file would be going to an underwriter, and that I should be getting my paperwork within 30 days. That was November 1. I made my December payment. Still I have not received any paperwork. Meanwhile, they are sending me letters telling me that I owe $$. I do not owe them that much as I have never stopped making payments. They have placed my funds in what they describe as "Unapplied Funds." They do not show this money. Therefore, I have been reported to the credit bureau and now, even if I wanted to rent, I cannot. My credit has been ruined.

I too would like to go postal. Is anyone looking at these records? Citimortgage needs to be regulated and taken over--not by the government! Someone--Congress--Anyone needs to look at these complaints. These experiences are the topic in many radio talk shows. Is anyone listening?

What are we to do? I am continuing to make a modification payment, but with the consequences of not making any payments at all.

Frightened and Worried in Bakers 12/11/09 3:20AM
Just another way to get upfront fees. No prequalifing. They say all is fine take your $640 then find a excuse not to give you the loan. Now they won't return my calls or my money. No charges were incured such as appraisal or title search. Still no money back. Further more you can't talk to amyone higher up on the chain of comand. Totally frustrated in NY.

heyron 12/10/09 8:27AM
Living in Michigan, I was unemployed, wanted to keep my home and was actively seeking jobs. Confused, I called Citimortgage to see about getting a loan modification.

I called CitiMortgage in March 09. They told me that unless I was 30 days past due they could not help me.

So I went 30 days past due and started the loan modification process which is 90 days and lots of paperwork. Trial period to end in August. They lowered my interest rate to 2% (from 6%)and the new loan amount was half my usual monthly premium ($980). They told me all I have to do is make payments on time, provide proof of income and complete their questionaire.

I made all the payments on-time, answered several of their calls and providing all the necessary paperwork they requested, to keep in good standing.

In early August they wanted me to show that I had income for the next 6 months. I sent them proof of 6 months of extended unemployment benefits. I was told the modification was going well and that I would have an answer in a week or two at the most.

I was now looking for contract work out of state because of the increasing jobless rate in Michigan.

I considered 3,6,9 month contracts out of state to keep the house while my family stayed behind. I could have even rented the home and taken my family with me (my monthly premium was less than $500).

Two weeks later I got their mnessage in the mail that I was denied and they told me that there are other modifications available and that I would now have to pay the full premium and make forebearance payments to get current. In the meantime my credit declined severely because I was 4 months behind on my mortgage payments and it was reported to the Credit Bureau.

Throughout this process my phone calls were not returned as promised, there would always be a new department or case manager assigned each of several steps along the way.

Soon after receiving the denial letter, I was offered a position in Missouri and in early September I moved my family there.

I have since received a couple letters from Citimortgage stating the want me to pay several thousand $$ of forebearance I owe to avoid foreclosure, which seems to be the only option at this time.

walkman 12/9/09 3:56PM
I have been working on a loan modification with Citimortgage since August and they have screwed it up every time. They now have sold my house out from under us claiming we did not receive the mod paperwork. When they gave us the tracking number for the paperwork it was in MD, we live in IL. So because we didn't get the paperwork in on time they sold our house!!!!! No one can tell us what is happening! The real estate company that bought our house called us this morning to see if we had arrangements to move! Citimortgage is unbelieveable!!!!!! This is why people go postal!!! I went so far as to file a complaint with the OCC but have not heard back from them.

ckoof 12/9/09 10:16AM
Aren't fees to payoff a a no penalty loan are a penalty?
offshoring OK but them not being able to help or have the knowledge needed to decide weather to wire or mail it is not helpful.

I've purchased 22 mortgages and worked with 7 different mortgage companies.
I'm sure they dont mean to be but they are the poorest at servicing customers.

Lux 12/4/09 8:35AM
I thought I was the only person receiving such poor customer service ie. not returning phone calls, not answering emails or just not caring. I see I am not...something needs to be done about Citi.

Confused 12/3/09 9:04PM
Citi Mortgage is the worse company ever. They do not want to do anything to work with customers. I have been trying to get my loan modified since Feb. and as of today there is still no progress. To make matters worse they had the audacity to increase my payment by $20.00, stating that it was due to the escrow. I continued to make my payment in the amount that I was paying w/o the increase. Low and behold, CitiMortgage sends me a statement that they did not receive my payment, increased my payment, and charged me a late fee. I am so livid with this company I don't know what to do. If anyone is being offered a mortgage loan I would advise you to look elsewhere or you will pay for it in the end.

Anonymous 12/1/09 7:49AM
Citimortgage is the worse company I have ever had to deal with. No one knows what is going on with that company. Every month I get a new representative and they have no clue what is going on. I have tried to make my payments every two weeks, but unless I give the $400 I can do that. I had started doing that when I original got the loan, but it wasn't Citimortgage. Citimortgage brought my loan and now it's been nothing but problems. I don't have $400 to just give to someone. This company is the worse.

talowe0125 11/30/09 12:31PM
I should have visited this site before responding to CitiMortgage's request that we refinance our current mortgage to take advantage of the lower interest rates.

Citi bought our mortgage approximately two years ago. We've never missed a payment, nor have we ever been late on payments. Our credit scores range from 790 - 813, for both my husband and myself. We wanted to refinance and shorten the life of the mortgage from the remaining 27 on the original mortgage to 20 years. Our mortgage principal is slightly less than $150,000; our property appraised at between $385,000 to $440,000. Our income is approximately $160,000 annually, and our only long-term outstanding debt is this mortgage, and 2 car loans. We pay our credit card debt on a monthly basis, but we do have three small deferred payment accounts---for furniture and appliances--totalling less than $3,000. We have investments exceeding $300,000, more than double the loan amount.

We were told on the telephone that we more than qualified, and that all that was needed was the paperwork. However, we did need to send two years of tax returns to prove we were reporting our income...both my husband and I are retired, and our incomes consists of social security, pension, and trust income.

This whole saga started three months ago, and every time I've tried to contact my loan consultant or processing consultant, I've been unable to reach them. I finally got to the processing consultant by calling the loan consultant, and complaining about not being able to talke with the processing consultant. She was unable to answer my questions. I tried contacting the loan consultant again, and left three messages over as many weeks. I finally threatened to cancel our application, and a "manager" contacted me. None of the three seemed totally knowledgeable, although the manager seemed to be a bit more "in the loop". She said she'd see what she could do to facilitate the processing, and she said she could easily see that there should be no trouble with us qualifying for the refinancing.

Shortly thereafter, we got an abrupt letter saying our refinancing application had been denied, citing too limited income and "inappropriate" property. The problem? Much of the trust income is tax-free, and we run a business which shows a loss. The people evaluating the tax returns are used to simple 4-5 page 1040 tax returns, rather than complicated 56 page tax returns showing somewhat unique sources of income. They just don't know what they're doing, and they don't bother to call you back to try to straighten it out.

It's easy to see why the finance industry is in trouble, when they'd turn down this refinancing...and opt instead, no doubt, for a more risky (but easier to understand) application. I really think they just wanted to collect the application fee, and didn't care at all about refinancing the loan.

They've probably done us a favor; we'll refinance elsewhere. But I sure wish I'd known how terrible their service and knowledge was before I went to the effort to collect the information they wanted. I'd never recommend CitiMortgage to anyone!

Killcreek 11/28/09 2:55PM
This mortgage company (citi) is the worst in customer service that I have ever dealt with when you get the mere chance to talk to a real person. They are rude and very uneducated. I have been attempting to go through a loan remodification for at least 6 months when I get 3 letters in the mail telling me that I was declined. I was set up on a mortgage payment plan, to pay a certain amount on a certain date and as long as I kept to that agreement, I would have no problems. I was assured that I met the qualifications over the phone, but it was a matter of sending in the actual paperwork, which I needed to send several times. This was all a verbal agreement with Citimortgage. Once I received the decline letters, I was obligated to pay the difference between my original mortgage payment and the new one they had given me in less than 30 days or they were going to notify the IRS. Several attempts to talk with the appropriate citimortgage staff were unsuccessful. After speaking to several people and I got "No Where" I asked to speak to a supervisior, after waiting on hold for 8 min. I then got a supervisior, who was equally as rude and unintelligent. In an attempt to work something out with the mortgage company to stay in my home and pay my mortgage has left me wanting to just walk away from my home and citimortgage. I thought that once the government had given these mortgage companys stimulus money that they would use it to help the consumers. But I think that all those people at the top of the food chain of Citimortgage are going to have a FAT Thanksgiving and Christmas! I just hope they will be thankful enough to send Obama and his family a Thank You card.

Anonymous 11/23/09 10:04AM
I am in the process of refin.my loan to 20yrs.my credit score is 736 & husband 751. My score is off because credit bureaus (2) reported her acct. I am only a user not liable for her acct. I have given everything they have asked for & the Credit Card co. that my daughter uses has written a letter to Citi. THey say I have to fax 12 mos of cancelled Checks from my daughter. I am feed up with them but I am out so much on refinacing that I can risk losing money. I told them that this was harrassment. I can get it threw to them that I am not responsible for my daughters debt. They will not listen. I am going to file a report to Citimortgage, Gov. Ga.,Obama & anyone else I can think of. It is amazing that once you give citi the info that shows you are not responsible for an acct.PROOF!!! THEY STILL WILL HARASS. I will never ever recom. chase to anyone. This has been the worse experience of my entire life & At 60 that's a lot.

jan 11/17/09 12:41PM
If I had the money I would pay off this loan so I don't have to deal with this morons anymore. I am going to take care of my own insurance and taxes instead of putting it in escrow and letting them handle it, because they can never seem to get it right!

Anonymous 11/16/09 3:50PM
The other complaints about Citimortgage mirror exactly the troubles we've had in trying to receive a loan modification. We started working with them last june and after being told we were prequalified for modification, but not approved,we were to begin paying the modified amnt which we have done. But we only just received the long promised modification papers on November 11th and now the trial period will being AGAIN. We had to make multiple phone calls to finally get this paperwork because departments had miscommunicated and they had not halted the foreclosure thing. These modification papers are well organized but very complicated verbage. THIS HAS PROLONGED THE AGONY AND WE STILL FEEL VERY UNSAFE. IT DOESN'T MATTER IF JOB LOSS OR HEALTH ISSUES ARE TO BLAME, ONE STILL FEELS TOTALLY AT THEIR MERCY. They have said that even after all this, we may not be approved and would have to try something else with them to be able to stay in our home. NOT A GOOD COMPANY TO DO BUSINESS WITH.

Melanie 11/15/09 11:57AM
I have been trying since Oct.13,2009 for Citimorgage to send the money from my insurance check so that the contractor can statr the work on my roof. As of to day Nov.5,2009 I still have no check. They have lost paper work which was faxed to them 2 times.Made sure the last time it went through to their hands because I made the stay on the phone until they said they got it. Can you imagine them not being ablr to know if a fax came through their system for 48 hours!!!! Then after promises of expeditng the check I still do not have it nor has it been sent out Fed ex. It takes up to 7 days to get out of their system to fed x!!! I'm sure glad they want to protect their interest in my house. I am going to try to find someone to check out citimorgage operation. Maybe attorney general.

zippity318@aol.com 11/5/09 9:22PM
The worst Mortgage Bank I Have ever had to deal with. I can't understand what their saying. I hate this bank/mortgage company.

east72 10/30/09 1:14PM
I have been making payment on my adjustable rate mortgage for the last 22 years. I never missed a payment. The loan payment was agreed to be drafted from my checking account on 10th every month. This arrangement of making monthly payment by drafting my checking account on 10th was entered into with the previous loan servicer, 1st Nationwide Mortgage (FNMC), & continued after FNMC merged with CitiMortgage in 2003.

A recent audit of my payments discovered that for the last 2 years CitiMortgage has been charging me undisclosed $10 drafting fee every month. I did not agree to any fee for this EZ payment by drafting my account on 10th. In response to my inquiry, I learnt from your customer service that a mass mailing was sent out to all CitiMortgage clients that effective August 2007 such service fee will be applied to all accounts that the payment was drafted after 9th. I did not get any such notification & I was not aware of any such change otherwise I would have agreed to debit my account a day earlier on 9th instead of 10th.

My request to CitiMortgage to look into the matter of refunding the unfairly charged fee has fetched no response. Any notification to the change in terms of monthly payment should have required my acknowledgment.

jagbhola 10/28/09 1:46PM
I am a frustrated client who is unable to get answers. I have been extremely patient and doing my best to be cooperative. I was on a loan modification since 02/09, and I have been paying my payments on time. However, when the modification was approved on 09/11/09, I was full of joy and hope. Furthermore, to confirm my approval I called Citi and the associate verbalized that my mortgage assistance has been approved. Unfortunately, Citi played with my heart and my family�s dreams of staying in OUR home. After a couple weeks of closing my case, Citi decided to reopen my case and requested another paystub, only to deny us. I sent in my husband�s paystubs every other month and we were approved and I even have the proof in writing from Citi. I have collected voice recordings from conversations with your employees, as well as my own written documentation of the overwhelming modification period. I was even told several times that Citi will place a block on my credit report that too was a lie. As a result, my credit is crushed and I cannot get any type of loan (including an education loan, which I need). I even called in today and spoke with Artun in Customer service to attempt to get the total amount owed possibly adjusted, he was going to have his supervisor call me back. I heard that line several times before, no one ever calls. I want to keep my home, but I don�t know what else to do. I have further details, such as names and numbers of all the people I have spoken with (5 pages worth). To conclude, I would like a manger or someone who can actually help me get the answers I need, besides being told to Short-Sale.

lost hope in Citi 10/27/09 6:04PM
For last 10 month i have been trying to lower my payment and did everything they requested which was every couple of month(household income,etc) All the time time same answer call and check next week.3 month's ago my house was on foreclouser,i called and ask them what was happening same answer they are working on it.Finally there is a bid ammount asking half of ammount i want.CAN SOMEONE HELP

madhuchandra 10/20/09 3:14AM
CitiMortgage should fail, the right had does not know what the left is doing. I have made 37 phone calls to the lost mitigation department checking on my loan modification. I received a letter stating CitiMortgage received to modification. When you call the Lost Mitigation Department all they can say is Ill send a email to an associate conserning the matter. When I started this process I was not behind on my mortgage. Now Im one month behind. Way to go CITI!!!!
This is a failed institution, and Its primary mission is greed, not helping people.

THINK ABOUT IT, THE EXECUTIVES AT CITI WANT AS MUCH MONEY AS POSSIBLE DAMN THE PEOPLE, THE COUNTRY, THEY HAVE BUSH, OBAMA AND CONGRESS TO BAIL THEM OUT WHILE AMERICANS LOOSE EVERYTHING.

Anonymous 10/16/09 7:53AM
I am so pissed at the jokers. Been trying to refi and take advantage of the very low market rate. I applied and was approved back on March 6, 2009. Today is Oct 8 and still not closed. I have spent over 20 hours per month calling (getting voicemail 99.9% of the time & they don't call back). They have continually delayed the processing for made up reasons or no reason at all. I have excellent credit (800+), lots of positive equity, a consistant income of close to 6 figures and I have never missed a payment on anything in my life. I have provided them all my documentation more than once. Funny thing is they have want multiple appraisals and go with the lowest (they even went so far as telling me my home dropped $23k in 3 months which was apprx 8%. I don't buy that for a second. They say my home is worth almost $40k less than the county appraisal. Anyway it has been 6 months and still not closed, recieved a call today with counter offer of bringing $14k to closing, or taking todays rates, or having mortgage insurance, none of which of these options would have been necessary even a month or two ago.

This company sucks - they simply do not care even if you threaten to take your business elsewhere. These people do not do their jobs. Unbelievable how they treat consumers. I WOULD NOT EVER RECOMMEND ANYONE TO DO BUSINESS WITH CITIMORGAGE!

Anonymous 10/8/09 1:00PM
In a nut shell HORRIBLE!!

kay 10/7/09 5:47PM
This is the only way I have found to help myself with CitiMortgage.. You can help yourself also if you will do this..

1. Write up a complete description of what CitiMortgage has done to you, from the day that CitiMortgage came into you life.. This needs to be in e-mail ready form and can be in letter form also.. But e-mail is faster and then you can send out letters after you are requested to.

The way I did this was
-put the address I have given you on your "computer address line" press go, the information will come up, send your complaint and story to as many and all the people you can, I would send to ALL of the states, because CitiMortgage is hurting people in all fifty states and beyond.. This is not just for you but for thousands of Americans.. all over the country.. Lets get together and help ourselves, I am done being abused by Citi..
When you are done with this list look for more people you can tell..

2. Keep or document everything they do, such as all mail they send, all threatening phone calls you have, all people they send to your house (this would be documented in a written form such as diary, or running record. All of these items need to stay together.

3. Send the e-mail letter to Occ in Houston Texas they control the large banks.

Customer.Assistance@occ.treas.gov

Make sure to include your property address, and your complaint, they will review it and send you a Complaint number, they will then contact CitiMortgage..

Send you problem to HOPE, they will help you help yourself, with your Mortgage, they are a company that our new government has founded to help us..

Welcome to H.O.P.E. - Home Owner Protection Economics

4. Send the same e-mail to all of the HUD offices throughout the US..

Find a BBB - U.S. BBB

5. Send the same e-mail to all of the HUD offices throughout the US..

U.S. Department of Housing and Urban Development (HUD)

6. Send the same e-mail the people who can help you at this address..

A-Z Index of U.S. Government Departments and Agencies (A): USA.gov

7. Send the same e-mail the people who can help you at this address..

Write Your Representative - Contact your Congressperson in the U.S. House of Representatives.

8. Send the same e-mail the people who can help you at this address..

FDIC: Organization Directory and Office Contacts

9. Send the same e-mail the people who can help you at this address..

NLGA Lieutenant Governors

10. Send the same e-mail the people who can help you at this address..

Contact Your State Governor: USA.gov

11. Send the same e-mail the people who can help you at this address..

Federal Citizen Information Center: Home Page

12. Send the same e-mail the people who can help you at this address..

FTC Bureau of Consumer Protection - Consumer Information

13. Send the same e-mail the people who can help you at this address..

The United States Department of Justice - United States Attorney's Office

Please send your message to as many of these contacts as possible, then contact a lawyer..

Thank you, H

personwithheart 10/7/09 7:30AM
We were working with Citi to modify our mortgage. We have been getting the run around ever since. First they told us to pay a modified amount. We did. Then when we went to finance our car in June (it was a lease) we found out that they were reporting us as late. We called again and again getting a different story everytime. Some representatives told us we were in a trial period and some told us we were not modified at at all. At the end of July a rep told us we have to start over and at the end of a trial period they would clear our credit (which is still showing late, even though they have told us a new lower amount which we have been paying early). We were told we would receive paperwork in 2 weeks. 3 weeks went by we called. We were then told it takes 30 days. We waited 2 more weeks and called again. We were told then it took 45 days. We waited a total of 60 days and called again. We were told the papers would be mailed out 9/28. I called again today (three times) and were told by one rep. 3 more weeks, another rep that papers have not been ordered and yet another saying papers were sent out 9/28.

Unfortunately I went online only to find out that we are not the only ones this is happening to. (http://www.consumeraffairs.com/finance/citi_mortgage_p2.html)(http://www.complaintsboard.com/bycompany/citimortgage-a25277.html) This is apparently a pattern with Citi and homeowners are losing their homes even though they are paying their mortgages. We are concerned that Citi appears to be refusing to provide us any paperwork. (Other than recorded phone calls we have no proof of the modification.) When I asked to speak to a manager, they refused that request as well. They are still reporting us as paying late and last week we received one of those foreclosure threat letters. I think at this point we need to report this to some regulating agency or news agency but not sure who.

Anonymous 10/6/09 1:48PM
Trying for over a year to remove PMI, cannot speak with the same person, never can talk with a supervisor/manager. Submitted request in writing, always the same answer. Three appraisals completed, they cannot get information correct.

Anonymous 10/6/09 1:01PM
Hello,

Citi holds the 2nd mortgage on my house, about 30k. 8 months ago, my house was flooded by river overflow. Citi took charge of insurance funds distribution which was to be given in thirds, totalling some 45k. I received the 1st third to begin my repairs. After submitting receipts and having a progress inspection, spent out 9k forcing a fight for the additional 6k. Nearing completion, I'd given a 30-day notice to the rental I'd been occupying during remodel and requested a progress inspection and final funds distribution from Citi a the same time, the end of August. I didn't get my inspection until last week even after pleading my time sensitive issues. Citi did finally send out my final check just yesterday via the United States Postal Service standard delivery which might take upwards to 2 weeks, not over-night as promised, mailed 1 week later than promised. I've moved back into my home, thankfully. Unfortunately, no paint, flooring or working bathroom. I had plenty of time to complete my remodel. My wife and I explained we were moving back into our house w/o a working shower which would have been completed had they not done seeminly everything to hang on to MY money.I feel that either the Citi system is broke or the insurance claim management department was messing with me. Help me address this issue please. I feel burned by this process and will tell everyone unless satisfied. My apologies for my rant.

Be Well,

Consumer Burned even after ferer 10/2/09 2:49PM
I've tried to get a resolution on something that is their mistake. I have spoken to the customer service department twice. The first time they said they could not tell me "why" it had happened. The mistake resulted in a late charge... when calling to try to resolve it, I was hung up on. I wasn't even being angry, but I trying to tell the rep that I couldn't understand him. The representative was from India, there was no mistaking that... what a sad thing we have started doing - - sending our US jobs to India in this time when so many need jobs.

eskridtc 9/26/09 12:26PM
CitiMortgage, is a criminal entity working under the government of the United States. This company has more complaints that mirror eachother (are the same) then any other company I have ever seen. The people that answer the phones are trained to be abusive and to not help the customer.. I swear this company has a score board for their employees to see how many can be rude, swear, hang up on, threaten, etc. The sad part of this entire mess I and thousands find themselves in is we didn't sign up for nor did we allow citiMortgage permission to take our Mortgages they just did. My belief is they are literally in business to steal money off of the home owner who sends in their payment and then say the loans are in default and then steal the house to make huge money after the home owner has paid for approximately half or more of their loan, this is convenant and makes more money for CitiMortgage.. Americans all over should be proud that our United States allows a large corporation to steal people money so they can live large and happy.. And America and all of their laws just say to Citi, good job, continue to harass and steal from the people make yourselve feel good..
This is what I fought for, this is what we call freedom, CitiMortgage personnel should be accoutable, they should pay and go to jail for fraud..
H

Personwithheart 9/18/09 12:51PM
I had insurance covered damage totalling approximately $18,000. The insurance company made the check minus 20% depreciation to me and CitiMortgage. After multiple call I found I needed to complete (In addition to the insurance company detailed estimate):
Loss Summary Worksheet
Certificate of Intent to Repair
Signed Contractor's Bid
Conditional Waiver of Lein
When these were received and approved a partial payment was issued. No other payments would be CONSIDERED until 95-100% of the work was completed, an inspection was scheduled completed and report approved. Unfortunately most contractors don't have the financial latitude of Citimortgage and can postpone payment to sub-contractors for weeks on end after work is completed. This means that I am left to underwrite CitiMortgage and pay for work and hope that I will receive the remainder at some point.
Speaking with multiple people in the CIti Property Damage unit were sarcastic and rude. Multiple calls to reach someone higher up resulted in the "no one is available" or "he's in a meeting".
I might understand there reluctance is my mortgage had not been paid on time for 15yrs and even acellerated payments made or that the total amount that they were holding is less than 8% of the outstanding mortgage to CitiMortgage.
They get billions from the government and they still need my $12,000?

Happy to Keep the banks Afloat 9/11/09 7:39PM
I will not refer this to anyone...bad service

Evans 8/20/09 3:23PM
CitiMortgage plays a very nasty gsame of hardball if they so choose.

They are very difficult to deal with. They do not feel the necessity to be honest. Integrity is not a word in their vocabulary.

They do not return calls if they do not want to. They find a way to obscure mitigating circumstances, and deny what is self-evident to anyone else.

They can violate their own policies and then lie about it. They refuse to acknowledge mitigating circumstances, like an insurance company so far behind in its paperwork that proof of coverage falls well outside (two months) of the 45 day requirement for furnishing proof of coverage.

CitiMortgage failed to accept proof of bound coverage when my insurance company told them coverage was bound (not once, but four times over two weeks), in writing and by phone. CitiMortgage bought forced placed insurance for me, after coverage was bound, which violates their own policy. They made several other errors including telling me they would NOT buy coverage for me for the next three weeks, then they bought it the very next day. They bought it for the value of the structure, after telling me they would buy it in the amount of the loan.

They told me it was impossible to refund the full premium. That was a bald-faced lie. Because my agent went on vacation, my policy lapsed for twelve days. Normally, this is not an issue when coverage has been bound. It becomes an issue when no coverage has not been purchased after a reasonable time has passed, in this case, two months.

When I told them forced placed coverage was a no-cost item to them, per their forced placed insurance company, since they controlled the purchases and refunds of (retroactive!) forced placed coverage by their computers, they repeatedly deined this. So far, they have refused to furnish a copy of the policy they bought for me.

Then, when threatened with a lawsuit, they refunded the premium, that same premium they had told me was impossible to refund. This took a month, and perhaps 30 phone calls.

I can't begin to tell you how good this company is in denying the obvious, blaming policy, avoiding a valid issue, denying responsibility for anything that is their fault, ignoring the fafcts and circumstances, including a client with excellent credit and a 25 year perfect payment history, and generally ignoring common sense, good judgment./ By anyobne's book, they failed to practice good faith and basic integrity (a violation of RESPA, a federal law that governs the conduct of mortgage sellers and servicers.

Their employees apparently are told to lie if it suits Citi's purposes. They lie about what is obvious and self-evident. They are probably trained to do so.

Go elsewhere if you can, and deal with a company that realizes it is YOU that pays their salaries. No one needs to take a chance and end up dealing with a bunch of scoundrels.

j14152 8/3/09 11:49AM
Yes, it is soooooooooooooooo true even when you get a live person they of our NO help - worst service .... Still can't believe how they have treated my mother who has done business with them for years. Shame -- Shame

Anonymous 7/30/09 8:40AM
Terrible customer services! Find a local bank to do business with. They transfered me three times and no one could answer the questions I had on an existing mortgage account. Try to find some one who understands and wants to help a customer. The Asia call centers are woefully untrained and have no defined escalation path (ie; address or contact number to complain) RUN TO YOUR LOCAL BANK!!!

LArry 7/20/09 3:47PM
very bad service...do not do any business with this company ...too much paper work and no person to talk to. They keep transfering you to some other department.I will never do business with them in the future.

Anonymous 6/29/09 9:14AM

Submit your comment >>
I want to follow up to my original posting in the Negative comments section on 3/19/2012. Mike Cardace from Citi reached out to me when I posted my thoughts and within 72 hours a great customer service rep from the Escalations department was in touch with me.
Yesterday I received the call from not 1 but 2 reps that we were approved for a re-fi thru the HAMP PROGRAM. I literally almost passed out in disbelief that we were really approved and were going to be able to keep our home. After all of the time,heartache and frustration the Escalations team was responsive, professional and actually cared. The Escalations team has really been a pleasure to work with and my family and I truly thank you.
SDHomeowner!

SDHMOWNR 5/15/12 3:17PM
When you call the customer service number make sure you are talking to someone in the United States. As soon as a person answers, ask to be transfered to someone in the United States. This I found to speed things up. Hopefully this helps.

atomicrays 4/9/12 2:18PM
Well, I figured I would let people know what I have come across so far.

I submitted the online package in September 2011, as well as all of the supporting documentation they requested. I called them up each week to see if they needed anything else and to find how it was going. I also asked each time how many pages they were showing on the fax to ensure everything was there.

In October of 2011, as I spoke with one of the reps on my weekly call, she informed me that they needed additional information. The information she requested was received prior, however, somewhere between it coming in on their fax line, and someone scanning the docs into their system, pages were lost (made me a bit nervous that info with ssn's and such just disappeared from someones hands). I grabbed the pages she requested from the packet I submitted and refaxed them that day. I called her back up and she confirmed that she received everything and she scanned them into the system.

In November of 2011, I received a letter stating that my case was being taken care of by Dagmar Turner, and that they were submitting it for approval - AWESOME!

In January of 2012, I decided to call and check since I was nearing the 60 day mark. Dagmar was unavailable, but I spoke with a man in her office. He informed me that my packet was incomplete and that they were missing some of the same pages again. I informed him that it was suppose to be in for approval, and he stated that they just received the packet in mid December. At that point I informed him of the November letter. Well his story changed at that point, he then told me that they needed updated pay stubs due to the other ones being too old. I informed him that it would have been nice if someone told me, and refaxed the pages.

I waited 24 hours and called back, this time I was connected to Dagmar, and she was excellent! She stayed on the phone with me while she went through everything I submitted, and submitted to the underwriters that day.

This past Friday, I received a letter from Citi informing me that if I did not come up with the back owed within 30 days I would be forclosed on. I called the number on the letter and informed the lady that I was going through the modification process and was told that until an answer came back, that I would not have any problems. She looked up my loan and informed me that I actually had been approved that day!!

Yesterday, (3/19), Dagmar gave me a call to let me know that we were approved and that she would overnight the paperwork. At this point we have a 3 month "trial" period to make modified payments in. The payments are almost 1/2 of what we were paying, which we can actually afford at this time (btw, both me and hubby lost our jobs and were unemployed for 6 months which got us to this point - hubby is now employed at much less than he was making).

Now, just to let you all know, because I wasn't aware how quick this happens: We were approved on the 16th of March 2012, our first payment is due on the 23rd of March 2012. If you are late on any of these trial payments, your modification is considered null and void. They must also be made with certified funds. Dagmar and me talked about this, and she told me just to give her a call and they can take my payment right over the phone with a debit or bank draft.

Dagmar also informed me that when my 3rd payment is received/made, to call her so we can continue on with the modification.

At this point, this is all I know about the process and will update in 3 months to let you know what happens then.

Dagmar has been nothing but professional with me and has been an excellent help. i never lost my cool with anyone when I called, although sometimes I was aggrivated beyond belief. I really do think there is a disconnect in the process, and it could work smoother if Citi made some adjustments to the process.

1. When a packet is first received by mail or by fax, I would suggest that 1 person be assigned to it during this "prepping" stage. They should receive the packet, review everything in it (give a 2 business day deadline), and then call the customer. During this call, they should inform the customer of any additional information that may be needed and the preppers name and number/extension. They should also inform the customer that any questions they have concerning the modification process itself should be directed to a 'CS specialist' and should not attempt to answer any questions that may cause misleading information. There sole purpose is to ensure that all of the information is received and in the system in its entirety. This will require that these "preppers" know what is required for an FHA, VA, and Conv (maybe a coversheet checklist). Once everything is received (if it is not there already), the "prepper" should sign off on the checklist and scan all the information into the system, and then verify that the complete packet is scanned in (2nd column on checklist possibly)(this should be done within 7 business days of receiving all the information). At this point, they should contact the Loss Mitigation department to assign the packet to a LM Specialist. The prepper should then call/mail the customer to inform them that there packet has been submitted to the LM department and they should hear from them within 10 business days.

2. I would suggest having a modification 'CS Specialist' department (as refered to in 1). The CS Specialists' whole job is to answer questions about the process. Again, they will need to know the process for each type of loan and everyone should be trained the exact same way and respond with the same correct answer. Some questions may be "How long does it take for an answer?", "Will I qualify for a modification?", etc. They should inform the customer that they can not give advice on what to do, but they can inform them of what the usual process and procedures are, and that if they have special circumstances, the information received could vary and if that is the case, their LM Specialist can discuss specifics once they are assigned. They also should not be checking on packets, they are just there to answer questions. A database construction of questions received should be made as well so if a CS Specialist has never had the question posed before, they can get a correct answer. If they do not know the answer, they should not make one up, but instead, let the customer know that they will find out and contact them back (and should ensure that they do follow up within 2 business days).

3. Once the prepper is done, the file should be handed over to the LM department to be assigned a specialist. The specialist should contact the customer via letter which is sent out no later than 10 days after the prepper last contacted the customer. The letter I received originally from Dagmar when she was assigned put my mind at ease. Now at this point, everything should be complete in the packet, so the LM Specialist should be able to submit to underwriting almost immediately after reviewing, but to be on the safe side, I would say they have 10 business days from the time the letter is sent out to get the packet into processing, or contact the customer by phone or mail to ask them for additional information if required (I know some loans can be very tricky). If additional information is needed, the LM Specialist should also contact the prepping department and have their checklists revised to add this information. I know as a customer, I would rather send too much information than not enough - you can always remove extra information, but its frustrating and time consuming to add more. I would suggest that once the packet is submitted, that they LM Specialist should mark their calendars for a call back to the customer each month (since it can take up to 60 days for approval), and ease their mind that they are still waiting for a response. Of course if the underwriter comes back and requests something updated or additional, it should be relayed to the customer within 2 business days. I would also recommend that the LM specialist inform the customer to be prepared to make a payment within 7 business days of the packet being approved (since some folks get paid on wierd schedules such as the military on the 1st and 15th), this way they can put some money aside during this process and be prepared when it comes back.

With these timelines and process, it would not only streamline the process, but also ease the frustrations of the customer.

I used the words "inform" alot in the above 3 suggestions, because great customer service and streamline efficiency requires lots of communication. Notice that during this process, the customer will have 2 direct points of contact - the prepper and LM Specialist (as long as all the CS specialists are on the same page and all giving the same answers, there shouldn't be an issue with anyone in the department answering their phones).

Your customers want to know that you care, and keep updated on the process, by just a simple call or letter, it will keep the customer from feeling lost, confused, and frustrated.

This process should also keep the time requirements down so that "updated" information shouldn't have to be acquired over and over - this saves the company money and the customer alot of frustration. If everything is done correctly, you are looking at a packet being submitted to underwriting within 30 days of initial receipt (give or take some time if the customer is slow about getting additional documentation in).

Like I said, this is just my suggestion, but ultimately it is Citi's call (I am always a person that beleives that if your not part of the solution, your part of the problem - hence the reason I make suggestions if I think something isn't quite right).

I'll update everyone in 3 months!

B. Wise 3/20/12 11:23AM
I live in GeorgiaI file for HARP 2 refinancing through Citimortgage.My house was $20 000 upside down. I applied on December 12, 2011 and I closed on my loan on January 31,2012. I appreciate the customer service. My loan interest rate went down 2%. Congratulations Citi. I couldn't believe it myself.

Ritoto 2/9/12 7:25PM
I had an issue with the modification Citi did for me in 2010. I contacted the executive customer service office and they quickly fixed the problem I was having. Thanks Citi!

Sgentry 1/18/12 8:18AM
...because it's never too late to say it - I'd like to take this opportunity and officially thank Citi Mortgage employee Ravita Ramnanan for her help with modifying my mortgage back in June 2009. She was the most honest, trustworthy and patient negotiator I've ever worked with. THANK YOU RAVITA!

Tamara 1/15/12 4:59PM
After reading this site for while my husband decided to do the modification, I was pretty terrified. We decided to go ahead with the paperwork and pay the regular amount of our mortgage after the three months, which I think we could have continued making regular payments anyway. We started in March and yesterday (July 28, 2010) we were approved. It's official. It's on the website. My new payments are listed. We called the regular Citimortgage line and they said we do not owe any back pay or fees; that they were all waived. We got a reduction of about $470 a month on a 30-year fixed mortgage with 4.25 for the first six years, then six something after that. After 10 or 15 years, I believe the payments will be back up to where we are, but we are now paying on principal whereas we had an interest-only loan before. I will keep you all posted.

sanditioin 7/29/10 10:03AM
We were in the midst of refinancing our mortgage to a lower rate after being solicited by Citi who had had our present mortgage when I came upon these comments. Needless to say it caused some concern.

We were holding our breath but the transaction concluded without a hitch.

We mentioned the problems we had read about to the Appraiser and CPA who came to our house representing Citi, and they said that they were aware of the problems and the training of Citi's representatives was just now catching up with the work load caused by this refinancing program.

There had been no problems since Citi took over our previous mortgage from another company about five years ago.

I appreciate the difficulties you are all experiencing. We have been in similar circumstances ourselves only not concerning our mortgage.

we wish you the very best in this matter.

HisSon 4/22/10 7:13AM
I would like to give thanks to a Supervisor from your company that straighten out a situation that was going in the wrong direction. I had sent in an escrow shortage payment of $400.00, but was only credited for only sending in $174.12. I noticed that on my bank statement that no adjustment had occurred for when I sent in the $400.00,But only for $174.12) and called to get it cleared up. I had spoken to an employee and she said that it would be cleared up and to check back in a couple of days to make sure. I did check back in a few days and still found that there had been some correction made , but that not enough. I was speaking, to someone whos name I do not recall, and could not seem to make him understand that I had sent in the extra money to drop my escrow payments. He kept on telling me the the escrow is always changing. I told him I knew this and that is why I receive these statements to try and adjust. He still didn't seem to understand what I was trying to get him to understand. I then requested to speak to a supervisor and just after a few short minutes I was speaking to, forgive me if I mispell his name, Mr Anubam. He put me on hold for only a few short minutes and new exactly what I was trying to explain. I have never have dealt with someone who could cope with someone in such a calm manner and understand the situation so fast in all the years that I have dealt with any company . He would like to say that I feel that he is a valuable asset to your company and represents them in the highest degree. He was kind,pleasant, well manered and high ability to understand the situation and grasp it so fast shows how high his IQ must be. I should hope that in the future you mold your company on individuals on Mr Anubam. I have never been to gratified and and satisfied when someone before. In fact don't think that I have ever or even rarely taken the time to thank one for their excellent services. Again I would like to thank Mr. Anubam. Have a Great Day!! Craig B Jakielek

Anonymous 5/20/09 5:17AM

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I can tell you all as an x Citi Mortgage escalation rep, that Citi doesn't give a crap about the clients. We as employee's are told to tell the client's if their issues cant be resolved on that call to advise we will call them back within 24 hours, knowing that is crap, because the unit managers on the floor don't allow time for callbacks.Not to mention the hostile work environment or not being cared about as employee's make it very difficult to care about what is going on. You need to realize as client's you are just a number and not a human being. What I mean by that we have to ah ear to a talk time of 360 seconds per call. With that being said,all Citi cares about is numbers and profits. I can't tell you how much trouble we get into if we go over handle time. My advise to everyone is to take your mortgage and run like forest gump. Citi is more about taking much needed jobs here in the United States and moving over sea, why you ask????? two reasons 1 the president of Citi is from there and since he became president got rid of every american board member and moved in this family and cousins. 2.They want to frusterate you the client with having to deal with people that don't know how to help you or speak a lick of english.
hopescitiburnstotheground 4/9/12 1:36PM
Worked for Citimortgage for 2 years, I was told that we only "apply effort" where it counts. In the Executive Leadership's mind that was making sure that we lied to prospective buyers, worked with the worst and cheapest property management companies, neglected to disclose issues with properties that were known to exist and 100% always placed the deals that made us the most money at the top of the list, and if we never got to the other people....well that was ok too. (especially if we were already dealing with a loss, in that case there's NO reason to "apply effort" unless you just happen to have some free time)
If you're ever thinking about buying a property that is owned by Citi, I wish you the best of luck. Be prepared to be treated like you are worthless and meaningless. Prepare to be lied to. Get loud, angry, and fight back as hard as you can. Question EVEYTHING they tell you, as that's the only way you'll ever get any attention from them. It's horrible but it's true. (As soon as I quit I joined a credit union, that's where I'm getting my new home loan, I suggest EVERY citibank customer do the same)
TheRoadie 11/8/11 1:28PM
As a member of the CMI collections, loss mitigation and modification team, the first thing I want to say is this: IF YOU DO NOT MAKE YOUR PAYMENTS YOU ARE SUBJECT TO ACCELERATION/FORECLOSURE. Read your Mortgage!

I can agree that CMI needs to improve. Believe me, the employees are almost as frustrated as the customers. Rules, policies, guidelines, timeframes, etc. change on a seemingly day-to-day or even hourly basis. It is hard to absorb all of that and give the best/latest info to the client.

Times are tough for everyone, including the underpaid, underappreciated employees at Citi. But that doesn't change the fact that CMI is a BUSINESS, not a public aid agency. , No lender is required to provide modifications. Ultimately, it is a business and it has to make sound business decisions. If the principal or interest rate would have to be reduced to almost nothing to make a mod work, it doesn't make sense. If the borrower's income is not sufficient to afford even a bottom-dollar payment, the mod doesn't make sense. Sometimes it makes more sense to try to recoup the lender's initial outlay by selling the property. Sometimes a mod will make sense though and - believe me - we do a TON of them.

The mod HAMP mod (and other government programs) process is the same at all lenders - the guidelines are handed down by the government which subsidize the hit that the lenders must take when they do a mod. There are a lot of hoops to jump through but if you are honest and follow the directions you will usually have a good result.

Also, when you initially give your income/expense info over the phone/web, and we "pre-qualify" you for a mod we read you a statement that says "you MAY qualify for a modification, all figures are estimates and approval may change." Most borrowers fail to absorb the PRE part of pre-qualified.

Another point: Because there are so many people asking for assistance, it is taking a LONG time to process everything. Be patient, but don't stop following up! This is YOUR house, be proactive - don't wait for CMI to call you.

Also, I want to respond to all the comments about Citi taking a "bailout." To oversimplify: The reason for the government intervention is that borrowers stopped paying their mortgages! Besides that fact, Citi paid back the $45 billion and the governemnt made a $12 BILLION profit on the deal (http://www.usatoday.com/money/industries/banking/2010-12-08-citi-bailout_N.htm). That's a TWENTY-SEVEN PERCENT ROI in relatively short order! I think we taxpayers got our money's worth.

Please know that I am not defending CMI or trying to give excuses for the treatment that many customers have explained on this site. Really, I hate my job. I am waay overqualified, there is no opportunity for advancement and my 4 bosses are idiots. I am just trying to provide some perspective.

Good luck!
I'm Frustrated Too 6/30/11 2:42PM
I worked for CitiCorp for several years, and let me tell you this, it was miserable. I worked in collections with them and this corporation only cares about the customers that make their mortgage payments on time. I heard endless sad stories from customers needing help with the mortgage. The customers had so many different reasons, It was very sad. From deaths, loss of jobs, military, financial and so much more. Supervisors would roll their eyes and make comments like, Oh, another pity case. We were instructed to shuffle off their calls and tell them we are processing their requests for help, but we knew no help would go to most all of them. I could no longer take the wrong doing Citi was doing and left the company. When it was time for my husband and I to purchase a house, I did NOT use Citi Mortgage
Momof2 2/16/11 9:24PM
I process loan in Citi Mortgage. If you people only knew Citi's feelings toward it's customers you would never do business again with my company.
Some of Citi's policies and practices almost fall in the category of theft. Someone like Geraldo Rivera could dig up enough story to win a pulitzer prize. All the good you see about Citi is all for show. This is the worst company I've ever worked for, ever!
Tinker Bell 4/8/10 9:43PM

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