OMG, I cant believe that Im not alone in this crisis with Citimortgage. In 2004 I sent in two payments that totalled almost $3, 000.00 to my mortgage company called First Nationwide Mortgage. I then receive a letter from a company called Citimortgage two months later telling me Im in default of my loan. I had never heard of this company so I pulled my statement with First Nationwide and call customer service. The prompt stated Citimortgage. I was advised from the customer service rep that Citimortgage had purchased First Nationwide and that I now have a new accout number. I was advised from the rep that they would need the front and back copies of my checks since they had already cleared from my bank. Well folks, needless to say since April 2004 I have faxed and mailed numerous copies of these checks and no one will take ownership to find this mis-applied payments. I worked for BB&T at the time, so my personal banker even called the mortgage company on my behalf and same thing, "please sumbit copies of the front and back of the check." My banker told the representative that when their company stamped the back of the checks, the numbers where smeared, so she felt that someone at Citimortgage really needed to investigate and maybe look on my old account number (you know the one that I had with First Nationwide Mortgage) and see if the payments where posted on that account. So, with all this said, I mailed/faxed in numberous copies of the front and back of the check, BB&T did as well to all the different addresses/fax numbers that where provided. In the meantime, Citimortgage threatened foreclosure and had me doing all these repayments plan amounts and at one time, my montly payment was up to $1700.00. Finally, I was able to get ahold of a supervisor that could understand English and he seemed like my knight in shinning armor. This man even gave me his direct line. They found one of the payments and applied it to my account. GUESS WHAT, YOU READY???? Someone went and removed it from my account. Yes, no jokes asided. Just wait, it gets better. The start foreclosure on my house. I was forced to do a chapter 13 bankruptcy in order to save my home. Well, long story short, now they are saying we are $18, 000.00 behind on payments and indicate that they havent had a payment on my account since 2009. I have been in bankruptcy since 2005 and all payments have been made every month. I called to see if I could do a loan remodification thru HAMP and what do you know, they said I didnt qualify. When I asked why, the rep said that I had to be at a 31 and i was conviently at a 32%. But guess what, I qualified for a traditional loan modification. I have a FHA loan and the guidelines should work in my favor, but Citimortgage states NO, I need a traditional loan. I was ready to ask the rep, should I get the economy size jar of Vasoline this time. Here is the straw that has broke the camels back. On 12/20/10 I called in to let Citimortgage know that my state, NC has a new foreclosure prevention program and I pre-qualified for, so I would be meeting with my loan counselor and I wanted to give them all the information. The representative asked if I could make some type of payment to show good faith and the money would go into a seperate account, but it wouldnt stop foreclosre on my property.. but it would show that I was making a effort while I was trying to get assistance. I told the rep that I could make a $200.00 payment, however I would need to post date the check for 1/7/11. She said fine, and tried to put it thru, well when I asked for the confirmation number, she said the system want allow me to do it. She said just write void on that check, we cant process it. She stated to call back on 1/7/11 to make the payment. I went to the mailbox last night and I had two NSF notices from my bank. I called my bank to advise them that I didnt authorize this payment and what could I do. The bank offered to call Citimortgage to get a verbal authorization so they could waive the $108.00 NSF that occurred on my account. When the rep went thru the notes, she couldnt find where the orginially rep documentated anything, but she couldnt see where she put thru the $200.00 payment on 12/20/10. I told her without a confirmation number its not a legal transaction. Conviently, she found a confirmation number and even told me that they dont have to give you this number. Because I verbally gave the routing & account number, then I was bound by the payment. I totally lost my cool at this point and scared everyone in my house. Even the dog went and hide. Here I was on the phone with my bank and Citimortgage and it seems that Im the one who looks like the fool. I began yelling for a supervisor that I was tired of being transferred, that they needed to pull the call from 12/20/10 b/c I documentated the entire conversation, I gave specific names of the numerous reps that I spoke to that day, the time of each call that was transferred and I wouldn't eat these charges. The loss mitigation rep said they didnt have supervisors, that I would have to be transferred to the Escalation department, that is where all the supervisors are who can take the calls. I was transferred over to that department and the Supervisor agreed with me and said that the rep should've never took the payment to begin with, unless I was paying the $18, 000.00 to get me current. I had to three way call the bank back and finally got the verbal authorization for the bank to refund me $108.00 in NSF fees b/c of the mortgage company error, not mine. It amazes me that it took me going postal on the phone and subcoming to tears in order for someone to act human and take responsibility for "their" error. Also, when I asked where this $18, 000.00 came from the told me it came from no payments being received since 2009, late fees, service fee's, deliquency fees which are a serperate late fee, plus a percentage of the billing cycle. I was given the fax number for the research department, which keep in mind was the same number that was given to me in 2004. So, with all this said, Im meeting a lawyer on 12/30/10 to file a class action civil lawsuit against Citimortgage. This has caused a major financial hardship for me and my husband, not to mention what it has done to our 10 year marriage. We both had to seek medical attention for the stress it has caused. I will take my three inch binder with all my documentation, as well as, all my doctor records with me to the lawyer and I plan on seeking damages beyond measural means against Citimortgage.

We have a mortage with Citi, with an equity in our home of $48K, have never missed a payment, great credit score. I called them to check on a $10 line of credit, when John goes into this sales pitch of "refinance, no problem, give me the info and we'll get started, close in about 30 days." The endless paper work was never right, no one answers your phone messages, but they did sent out an appaiser and changed $470 none-refundable loan processing fee to my credit card, then denied the loan after 72 days. This is not a bank that should be doing business, I can't imagine how they ended up with so many bad loans they are so picky about who gets a loan from them. American Security and Trust Bank has refinanced my mortage and given me a line of credit.

Stay away from Citimortage...go to a real bank or credit union

I was told my a represtative in loss litigation that our account would not be reported to credit during a time of trying to refi while we were put on a payment plan. I received a letter from CitiMortgage stating otherwise. I didn't sign and return the form as requested and starting making more calls to them. Jeff reassured me that this would NOT be reported and if it did to call in and have it removed. I have called because it has been shown on our credit and they stated to me that yes it would be shown. I have now been on the phone for over 2 hours back and fourth between 3 departments and no one can help me. I told them that if it still is reported and doesn't come off my report they can just have the house. I am done at this point!!!