Citi Mortgage

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Category: Business & Finances

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United States

Citi Mortgage Reviews

michksp July 21, 2011
Bait and switch
I have enough equity in my home to do that. sherry hansen was the loan officer i was dealing with she kept pushing me to proceed with the loan.. she wanted upfront fees.. i told her no not without knowing i was approved she said you are approved we should have you closed in a couple weeks
so i went ahead and paid the fees 535.00 .. i didn't hear anything for a couple weeks so i tried calling several times left messages tried emails.. finally i get a response say i was denied??? i could not belive after she assured me i was approved.. i am a bricklayer and i get laid off when it is cold i let her know when i applied that i was collecting unemployment. she said seasonal employment was fine.. i was denied fro not collecting unemployment in 08-09... i couldn't believe it.. so i said i wanted my money back i would have never paid those fee's but she stated i was already approved.. citi says no money will be refunded.. she said i asked you if you collected unemployment every year... liar she asked if i was laid off ( i still have all her emails) i tried to contact her supervisor michael fauth and he wont cont me back... tried several other call and cannot get anyone to talk to me.
p.s she told me i had to mid april to reapply after i was back to work... just tried they say i don't qualify for a 10 yr loan (7yrs left now) and i tell them what she says they say seasonal employment is not acceptable and the app should have never been taken..
Tired in Mississippi June 8, 2011
Receiving payment from loss
I was browsing to find a way to contact and complain at Citi Mortgage and found your website. I am glad I did. You think trouble. We were hit with a tornado on April 27 and insurance sent money fairly quickly but the ordeal with the mortgage company has been a nightmare. They say they need this and that sent in, you do it and they come up with something new. When you have 80 thousand worth of damage they expect you to get money in one third increments, which putting a new metal roof on took most of that money. It has been a month or better and it is a nightmare. I have heard that they invest that money and make intrest off the money we paid in to the insurance company. What is up with that. They sure want their mortgage payment on time... Just saying...
kg1957 April 8, 2011
Watch you online mortgage payments !!
I pay my mortgage online at Citi mortgage website. I just noticed that Citi Mortage is not posting my payments on the day I actually paid. Citi has been posting the payment one to two days later than the actual payment date. I always pay before the 11pm cst cutoff. When I called Citi Mortage this is the answer i got: Citi Mortgage's record show you paid this day (correct date) but for your (my) records Citi Mortgage shows you paid the following day. So, apparently Citi Mortage keeps two payment records. One for Citi Mortage's use (the real payment record) and the other (inaccurate payment record) for my use. I asked which payment record would Citi mortage send when I am applying for a refi or new mortage and the rep stated they would send my (inaccurate) payment record not the Citi Mortage record. I have filed a formal complaint with the Comptroller of the currency. Two different payment records ?? My personal thought is Citi MOrtage is just trying to keep as a customer by providing inaccurate information which may affect my ability to obtain the best interest rate with another lender.
Red1234 March 14, 2011
Property damage loss
Inspectors from Assurant Property inspections do not have to be trained. All the inspectors are required to do is to go out and make sure either the home repairs have been finished, or are in the process of being finished and estimate how much of the damage still needs to be repaired. Thats all. They are not a licensed real eastate or insurance inspector. It really doesn't make any difference what the inspector turns in because the mortgage company ( CITI ) is going to do what THEY want to do as far as the claim goes. I've known people who have fought with CITI Mortgage for 6 months or longer just to get the repairs completed or to get a contractor paid. In my opinion, there should be a class action lawsuit filed against CITI Mortgage concerning property damage repairs. The hell they put people thru is completely uncalled for.
kccClc February 15, 2011
loan modification
my complaint on citi mortgage can go on forever in 2009 i was a month behind and ask for help knowing my financial status was worsening. They said couldnt do anything until I was 3 or more months behind. to star I refinanced with Gaurdian savings which immediately sold it tociti mortgage. from the start they screwed up my account. I could go on forever but a short version is I pay my taxes insurance and mortgage in one payment and citi pays out to my insurance and taxes. I get a letter stating I havent had home owners insurance for a long time so they escrowed me up went my house payment. I provided proof of payments and the still escrowed me and to date caused my insurance to get cancelled and have never refunded my payments. then I get approved for a modification we start the payments and the very first one they except make my second payment which is $615.00 citi returns it to me and sai i am in vilation of contract so they cancelled it due to non payment. I once again provide info showing they received my money cashed it and THEY NEVER applied it to my account. so money search department fnds it but the completely deleted my modification account before checking for my payment. I get started again in modification I get a call on new years eve about my account and the man i talked to said " thats funny our office was closed christmas day but somehow your account was once again deleted on christmas day" It took them 5 weeks to do my first modify and now we are on 7 months and nothing I have faxed and written umpteen letters and forms that has gotten me no were. my complaint has a little of everyones complaint in it also but citi mortgage is the cause of why me and my family are gunna be homeless. I refinanced for a lower payment andin no time they had it 300$ more than my original mrtgage. What a company to deal with If anyone has a lawsuit or anyone I can contact or any usable information please feel free to send it or count me in.
cgs December 15, 2010
service
Citi Mortgage a.k.a Shitty Mortgage...it's damn near impossible to contact these assholes...There is no contact web address e-mail for them..or has anyone been able to find one?
S M C August 27, 2010
Loan Modification Disaster
WHEN DOES IT ALL STOP!!

I have been on three separate modifications for a total of 18 months-
Feb. 09 through May 2010; and to make matters worse, we were just denied. Citi lost our paperwork 6 months into the processs, removed us from their Citi Mortgage mod. and placed us on the HAMP; all the while we were good borrowers (making our payments on time, jumping through hoops giving them everything they'd ask for even when we knew we just sent it the previous day) being compliant so we wouldn't lose our home. And what do we get in return? Offered us a forbearance of a downpayment that was ridiculously high and a monthly payment that we couldn't pay if we had 4 jobs! What Citi Mortgage is doing to its borrowers is scandalous and something needs to be done! We all post our coplaints here, WHAT NEXT?
ncivic73 July 13, 2010
Loan Modification
We applied for Citimortgage loan modification May 2009 and as of today (7/10) nothing has been accomplished! We tried to do everhing we can to finalized this process and has been one of the worst processes ever! As regular citizens of USA we tried to pay but becuse of bad economy last year our paychecks got hit and hit big time! We start to strugle like most of the midclass people in USA so we call CITI mortgage to see if is anything we can do to make our life a bit easier and save our home! After being switch back and forth finaly we got to some lady who took full info's, income and financial statments we got "approved" for rate reduction and our payment got 350 bux less! I was super happy ...i saved our home! But loan sharks are thinking different! So we start geting calls about paperwork they need so we start sending and sending and sending! UPS/USPS/Fedex you name it! Faxed over...emails and they always manage to lose something! Tax form was send to them 13 times and thy still dont have it! HOW THIS CAN HAPPEND?? So 16 months later nothing has been done...i mean nothing ...but CITI managed to kill our credit score! We were told if we pay "agreed" modified payment we will not be reported as late! So every month on 1st we called them to pay and make sure we are on time we had another fight to go with costumer service..CITI costumer service want to charge you 25 dollars to process the check or they dont care if you pay! Are you kidding me?? Anyway so far we didnt get anywhere except our credit got tanked, house is worth 70K less and lot of gray hair becouse of CITI! I dont understeand this people! We tried everting i mean everthing...pay each month, negotiate payment, rate anything which will bring this to end and seem nobody want to work! Why would they?? They are getting money for Goverment...hold on...this is our tax money and they dont want to help! Last friday i got a call from Citi (EDDIE)...he called with treats me and my family with losing home and being homeless if we dont send them paychecks again which we did on 6.23.10! Need a proof of income every week?? I have no clue what do to anymore..we called them, call HOME office, called state attorney, emails, blogs and nothing can help us to finish this CITI nightmare! ANY CLUES?? ANY IDEA'S GUYS?? HOW WE CAN BEAT LOAN SHARKS?? THANK YOU FOR YOUR TIME!!! Please if you are thinking to do modification with CITI please sleep on it and think! This will be worst ride ever! So for your health and nerves please think!
Lanna S Carter June 8, 2010
Customer servie( Lack of)
We have had to move out of state due to my husbands job.We have had our house up for sale for a year with no offers.We now have a payoff offer that is a great deal and we cannopt get anyone to talk to us.You call and ask for a supervisor and they say none available.We call everyday and get transfered 5-6 times every time.We quit making our house pmt 3 months ago due to not being able to carry both places anymore.We sought out help from them before this ever happened.Never once did we get a response.We filled out paper after paper that was way to much info anyway but never got any help.So we call to get a payoff and they charger us $5 to get it faxed to us.Okay then the next day they put us in Forecloser.Really??? I hate working trying to work with this Co and WILL NEVER again.WE have our house sold and can't even get a contract signed because they will not give us a firm 45 day payoff.UGH!!! This is a nightmare.
pasquak May 20, 2010
refinance rip off
I have been in refinance with Citi morgage for 4 months...today I received a call that we are being denied because THE CREDIT CARD COMPANIES for two cards they asked me to close (american express and chase), will not provide a letter stating the payoff amount and the per diem. We qualified just fine...have our current mortgage with them...have outstanding Fica scores over 700 both me and my husband, but are being denied because they credit companies won't give them the per diem. Meanwhile the credit statements reflect that I closed the cards and have the daily percentage rate but that is not good enough...they need the per diem in letter form. Now I am fighting to get my $455 back and for them to write letters to these two companies reinstating my cards. What a rip off this has been.

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