My complaint is with Citimortgage's trial modification. My story is very similar to everyone elses on this site. We were in a trial modification for 5 mos, then denied. They wanted their money back immediately or they were going to foreclose. Couldn't get a straight answer from anyone at that company, transfered to a million different departments, hung up on, ect.
My story is only different in that I'm in a chapter 13 bankruptcy, so they are now dealing with my attorney. I didn't think it needed to go that far, but now I'm grateful that I don't have to deal with them anymore!

Here is the email for Citimortgage's CEO Vikram Pandit:

[email protected]

Also, the phone # for the executive response team:

1-877-245-2511

I have been calling CitiMortgage since January trying to talk to someone from Loss Mitigation Department to work out a repayment plan or get a modification on the house loan. I have been contacting creditors and CitiMortgage because I got sick from a head tumor. I had to take weeks off for Family Medical Leave from teaching. I just got radio-surgery for the tumor in mid-May. On June 4th, 2010 CitiMortgage sent me a letter that my house is being foreclosure and the sale date is July 6. I am still in the six weeks period of healing from the radio-surgery. My summer monthly pay is temporarily down to $1, 100. I was waiting so CitiMortgage would develop a loan modification or temporary forebearance. Instead they sent the letter saying my house will be sold to highest bidder on July 6.

Only personnel from collections called me, but they could not come up with repayment plan; they told me that my case was being sent to different case workers in the Loss Mitigation Department. No one ever from Loss Mitigation called, but I did send copies of my salary & bank statements as part of an application for a modification plan. I was denied twice a modification plan on the basis that my income was too low. Duuuuuh! that's why I called them in the first place, because I had to take Family Medical Leave from teaching because I was sick. Also, I told them that I did receive a 3-year contract from my job.

I have been in the home since 2004 and never paid late until I got sick February 2010. Finally, I am a lady veteran from the military so part of the loan is VA. This mortgage company has no soul; it would rather foreclose on a home then work out a plan to help the customer.

I am presently waiting for the other shoe to drop when it comes to a CitiMortgage property myself. My mom passed away without a will, so things have been tied up in probate. Nonetheless, I have kept CitiMortgage in the loop every step of the way. I contacted them to apply for a modification when I started having difficulty paying the mortgage and was told that I qualified.

Like a lot of other people, I was on a modified payment program (supposedly working towards a modification) for 6 months, but then I was later told that I didn’t qualify and if I couldn’t pay them the full past due amount, the house would go into foreclosure. Since it has gotten to that point, I’ve gotten conflicting stories about what my options are, and nobody seems to be willing to help, or even know if there is an option for me. To add insult to injury, I am CONSTANTLY (I mean like DAILY) getting phonecalls by random representatives who usually start the conversation by asking for my mom, who is deceased. By the time we work up to who I am, whether I am authorized to speak on the acct, and how much is past due, nobody can give me a straight answer as to how I can be helped.

Honestly, I get the feeling CitiMortgage is just trying to snatch the house from under me! They keep referring me to their foreclosure lawyer as if they have no say in the situation.

They CLAIM that they work to help people stay in their homes, but I think that is a crock of crap!

I am about to contact people to let them know about the shady practices of CitiMortgage… TV, newspapers, Congresspeople and whoever else will listen! This has to stop!

Citimortgage has been working on my mortgage modification for at least 8 months. Initially they had me resending the same paper work over and over again for about 3 months. Finally they said they have everything and that it would be an additional 30 days. In March the modification still was not final. In April their was a notification on the website saying it would be complete in 3 business day and now on May 21 they are saying that they need additional documentation..

CitiM0rtgage notified me March 19, 2010 that there was an escrow shortage for my account, #0771430763. I challenged the shortage and resultant increase in my mortgage pament (from $1387.77 to 1471.27 or 115.64). After speaking with a customer service rep twice and faxing my challenge letter three times I was simply told that my escrow was short. Asking why, the rep read to me the Escrow Account Disclosure Staatement. Frustrated I asked why the escrow was short. My taxes and insurance Had Not changed (increased) since 2006, therefore my payment should not change.

She then asked me did I change insurance companies in 2009. After initially saying no, she said that The Hull company/USFG was changed to Kemper in 2008. Then I remembered, CitiMortgage did not pay my insurance (that had been collected for said paymenyt from escrow). CitiMortgages failure to pay my insurance resulted in cancellation of my policy through Hll. I was uninsured for nearly a month when I found this out. I immediately called CitiMortgage and demanded to know why my escrow had not paid my insurance. Their answer was vague and unconvincing and apologetic, yet they failed to get back with me with a resolution. I was forced to find a new insurance policy through my insurance broker.

As a result in CitiMortgages failure and shortcomings with regard to collection, credits, debits and disbursment of my escrow funds has resulted in double collection of funds for insurance, not to mention jeopordizing my well being and my single most valuable asset, my home and contents due to their negligence, disregard and lack of oversight in the process of standard business practices.

Note: when my mortgage was first purchased by CitiMortgage, my payment Doubled, yes doubled and that the next year, 2006, most of that increase was refunded. No explanation other than [their] increase in estimated withholding was mis-estimated. CitiMortgage, at least in my case, has a history of "mis-estimation" mis-allocation and mis-collection of escrow funds. Oh, I meant to state than my mortgsge is an FHA loan, and has never been late or in arrears at anytime since it's June 1, 2005 inception