I pay my escrow shortage every single year. Last JULY, 2010, my mortgage payment started to creep up slowly...July 2010, then more August, more September. My escrow analysis is performed the 3rd week of August every year. My payment should never have gone up until 10/1/10. I sent 2 checks in September 30, 2010. One was an escrow shortage and the other was a spread overage to keep my payments down. Instead of going down, my payments went up. I spent weeks on the phone with a manager and they finally corrected everything, then February someone triggered another escrow analysis. They said my taxes and homeowner's insurance went up. I told them they go up every year and I already sent in 2 checks to pay that. Then in February of 2011 my payment went way up again. I sent in a check for almost $500.00 and that would keep my payments where they had been before the new increase until September, 2011. Th manager that had been helping me has been on vacation so another manager did a so called investigation and said my payments should never have gone down even though I had sent them over $1100.00. I told them it doesn't take a rocket scientist to figure out what is going on here and that I am called the NJ attorney general's office and also my attorney. The manager tat had helped me before is returning from vacation tomorrow (7/5/11) and if he does not fix this freak'n mess I am moving farther up the line. I started with Principal Financial and never had a problem until CITIMORTGAGE took over.

After they received my income package with current income tax form, they requested I resend the same package, several days later. Both packages were added together, which doubled my income, then told me I didn't qualify for a modification since I earned too much!!! They are putting my little home in forclosure, which is located in one of the poorest counties in Michigan, and the mortgage (which I had been paying on prior to being let go from my job), has a total mortgage is only $37, 000. I have been employed for almost a year now, can make modified payments, but they don't care!!! They just want to be rid of me!!! Heartless, cruel company. I'm seriously think of calling Fox tv, problem solvers for help.

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

I have been paying my mortgage ahead, but they have been holding onto the payments.I filed bankruptcy but not on my home, I am keeping my home.I just received a letter saying i owe almost 10, 000.00 for payments not received and late fees.I've paid and i disagree with them.I think somebody is carrupt at citimortgage now that i've seen all these other people that are so upset by them.Should'nt they have to submit some kind of proof.I can prove I 've paid.

We have had our mortgage with Citimortgage since 2000. In October 2009, due to a severe injury we had a loss of income and advised citimortgage but they said there was no assistance available to us and our home would go into forclosure. In May 2010 our property for our first mortgage and home equity line was to be sent to forclosure. We put the home on the market and it was to be sold and the closing was scheduled for 3/31/2011. We requested the payoff amount from Citimorgage on 3/21/2011 and were told the request was being processed. We recieved no response and our attorney contacted them again and was told the file was with their attorney so payoff must be obtained from them.
According to the attorney, Powers and Kirn, the file was closed with them 12/2010 and the payoff could be obtained from Citimortgage.
Repeated calls were made to Powers and Kirn, Phalen, Halihan and Schmead and Citimortgage Loss Mitigation Dept, Payoff Dept, Homeowner assistance team, Home Equity and they continued to tell us the information must be obtained from the attorney despite of us telling them the attorney file was closed 12/2010.
I was given a fax number at one point to send a written request to Anthony Craig, who was managing the case and both the fax number and contact phone number was disconnected.
The closing on our house was cancelled.
3/31/2011, Citimortgage Loss Mitigation dept said they sent a request via email to obtain the payoff and it would take 24hours to 3 days.
Again, calls were made repeatedly to their attorney and Citimorgage with no results.
On 4/5/2011 I sent an email to every listed address at Powers and Kirn in regard to the problem we are having and recieved a response right away from their office. I was told although the file was closed with their office, she would contact Citimortgage about our request and the payoff emailed to her shortly afterward.
Every time we called we were told the same thing. Nobody was able to assist us or direct us in the right direction. We were told they did not have the information requested so basically were given the run around while fee's continued to be charged to the account.
I have reported Citimorgage to the Division of Banking and Insurance as well as Consumer Affairs. If Citimortgage was willing to assist us in the beginning we would not have lost our home then would not have had to go through the additional grief we just went through.