After storm damage to my house, the insurance company made the settlement check out to me and the mortgage company. It was our understanding that we would endorse the check and send it to citimortgage, along with requested documents, and they would immediately send us a check for half the amount so we could begin repairs. Two weeks later we are still waiting for the check, and now they have informed us it will be made out to us and to the roofer. I explained to them that the roof is only one part of the damages. We need to money to pay for other repairs. The roof won't even be done for several weeks. We have already had electrical work done for over $3, 000. The electrician is still waiting for payment. We sent the invoice to citi, and they said they don't know why we sent it!!! We are also supposed to be reimbursed for tree cleanup for $500. We sent a statement on this and again, they act like they don't have to pay us. Very frustrating. We need a lot of other repairs done and they will not release the money!!! Who do I complain to????

about 2 years we recieved a letter from citimortgage stating that i owe back tax's on our house when we faxed the tax info to citimortgage showing that tax's have been payed since 1987, citibank then sent a letter 2 months after stating we didnt have insurance on the account and that citi bank payed our insurance and again we faxed over the insurance coverage showing the house has been insured since 1987, 2 months later we get another letter from citibank stating we dont have flood insurance and again we faxed over a copy of the flood insurance, a couple months later another letter from citibank stating our payments were late when all payments were on time and payed by check 2 weeks before mortgage was due, citibank has stated that they put and escrow account on my loan for no insurance when proof was shown that all tax's, insurance was payed, now citibank wants to send an adjuster to my home to review property for foreclosure when they have all info stating everything payed, i feel that citibank is doing fraud in so many ways by them stating we owe them over 5000.00 dollars when all proof was submitted that we owe nothing.

After years of medical and legal hardships resulting from brain injury that caused dementia, my children's father finally died on May 4th. Last September I knew that I would not be able to keep paying the mortgage payment which had been at a fixed rate of 7.4% for 2.5 years, "because you need to establish credit." This is what the corrupt mortgage broker had told me just before he was found guilty in a mortgage scam and fled for Australia. Yes, we're had a streak of bad luck. After one payment, Homecomings sold our loan to CitiMortgage. For more than 2 years I paid the high mortgage payment. Then in September 2008, I completed CitiMortgage's Hardship paperwork, requesting either a lowered interest rate or deferrment or forbearance. I was ignored. Between September and December, my written communications were ignored, my phone calls were not taken (or if taken, were passed off into oblivion = disconnected), and no one returned my voice messages. Finally, I got their attention by making a partial payment in December. They cashed the check, but have never applied that money to my loan. Immediately I began receiving harrassing phone calls and mail. I responded to every one with, "do you see that I completed the hardship paperwork in September? here is a copy..." I was never able to speak to the same person twice, and no one could find the paperwork even though I sent copy after copy to various people in various departments at CitiMortgage. In February, I finally got someone with at=uthority on the phone "Mary Zigler." She granted me what they called a forbearance, where I would make about half the prior payment for three months, and then be able to refinance. She said, "when you get the paperwork, you'll see that there is a lump sum payment in June. but don't worry, we'll roll that into the new loan." I complied with the "forbearance" terms, but during the next three months, I received constant harrassing phone calls and mail. When I'd call about the mail, they'd tell me it was an internal mistake and I should ignore it. Then a "free-lance" private invetsigator started trespassing on my property and the neighbor's property. He took photos of the house and my children. The beat up truck he drove had a removable license plate just thrown on the dash board. He did not ever come to the door to explain he was working for CitiMortgage, and he hid behind trees and fences. I called the police to file a report. They determined he was hired by Citi, but when I called Citi, the "supervisor" there denied it. The second time the investigator was sited photographing my house from the front lawn of my neighbor's home, I went over to my neighbor and told him. My neighbor came out and ran the guy off and told him not to come back or he'd file trespassing charges. On May 18th, I decided to be proactive and start requesting the refinance paperwork so that the ball could get rolling before mid June when the "lump sum" was due per the paperwork, but not due per Mary Zigler. I just didn't trust Citi. All of my mail and phone calls have been ignored since May 18th. I have filed complaints with supervisors at Citi and with consumer affairs and other agencies. I've received absolutely no communications from Citi. Two weeks ago I spoke with Citi rep who said that Mary Zigler was the only person who could help me. I was given her extension, and tried to call her 4 times in the past week. She doesn't return my phone calls. Last week I was contacted by an attorney who is suing Citi on behalf of 100's of their screwed-over clients. He asked if I wanted his help. I wasn't sure until today. This evening, while I was doing laundry on the lower level of our home, my children came running to me frightened out of their wits. We had propped the front door open to get some cool air in the house. A man "who looked like Elvis" walked into our home, univited and without my knowledge, spoke with my 11 year old daughter and gave her a crudely written note, written in both English and Spanish, which demanded that I call a phone number written on that note, but had no identifying information as to whom the note had come from. I ran outside just in time to see a man in a red sports car driving away. I believe that he saw me in the driveway, but he still drove away. I called the number on the note and reached CitiMortgage! I immediately asked for a supervisor and then told the supervisor what had happened and exactly how I feel about Citi's unprofessional, unethical and ILLEGAL business practices! I am a single mom with two young children. My kids' dad died just 10 weeks ago. Citi has been aware of our hardships for almost a year, and has not ignored my pleas for assistance (all I wanted was a 4.8% interest rate rather than 7.4%), but has actually been ruthless in obviously trying to take our home away from us. At this point, they won't even allow me to make payments. The Federal Government SHOULD NOT HAVE BAILED THEM OUT! Tax dollars have been wasted on this company which cannot and/or willnot do business ethically nor even professionally. Their representatives have shown consistent incompetence. The right hand of the company doesn't know (nor care) what the left hand is doing. They are devestating people's lives and the stability of our country by undermining homeownership.

I have been unable to drop my PMI to date. I am at 77% LTV based on original purchase price of 2 Unit Rental Property. At origination with Reunion Mortgage, we discussed removing PMI after 80%, but there is no documentation noting this. Reunion sold the loan to CitiMortgage. Citimortgage now tells me it has to be 70% LTV of original price! I have asked for Managers over the past 3 months and get the same old answer each time.

Citimortgage is running some type of scam for refinance quotes. My husband and I called to get information about refinancing our home at a lower interest rate. The loan officer started giving us rates and figures over the phone, he told us the only out of pocket expense was $15 for a credit check and an appraisal was not required. I asked him to fax or e-mail me the quote he was giving us, he said NO he could not do that, it had to be done over the phone. I was traveling and lost phone service and had to call back a couple of days later. I was told the only way to proceed was to pay $250 application fee upfront, which I did and a week later I finally received the good faith estimate and related paperwork. With the additional fees Citimortgage was taking on, the new loan would be for more than what was originally financed 4 years earlier. I said I was not told this over the phone and I wanted my $250 app fee back for being mislead. Citimortgage informed me that was non-refundable. I asked what the $250 was for, they said $15 for credit app and $235 for an appraisal that was not done. I believe if you take money for services not rendered, that is a fraud and a scam!