About a year ago, I was forced to re-finance my home, due to a divorce. I re-financed using ABN AMRO Mortgage who later sold my mortgage to CITI MORTGAGE.. Because of the market rates, my home appraised very low, causing my equity to be very low. In order to refinance my home, I was told that I had to pay a PMI of approximately $350.00 a month on top of my mortgage payment, which increased my payment to over $1390.00 for a $180, 000.00 dollar loan. By the PMI company is theirs! That was the first big mistake!!! I set up bi-weekly payments through my bank, who personally spoke with the mortgage representative directly to ensure proper payment. After three months of making payments, I received a letter stating that they had not received a payment in three months and that foreclosure was in my future. I immediately contacted my bank, to find out what had happened. The bank informed me all payments were made and had been posted to my account. When I contacted ABN AMRO, I was told that no payments had been received. I had to fax my bank statement to them, just to prove a point. After careful review of my account, and after speaking to several representatives, the payments were located. I was told that bi-weekly payments are only accepted when I use their company. Problem!!! In order to use this company, you must pay the $300 and some dollar fee, just to start up and must have at least two payments in order to start!! I was told that they had placed the payments into my escrow account, because there was no other place to apply the funds. The Mortgage Company charged me three months of late fees! Again, after being transferred around, the funds applied to the escrow account were applied to my monthly payments. Then, I was told that I defaulted on my payments, because I started one month later than what was stated on my contract. I eventually caught up with all of their requirements and in December I found out that my escrow balance was low and that I would need to pay an additional $300.00 or so, just to keep my payment the same. So I paid the additional money. Then, the following February I received a letter stating that my I owed over $250.00 in late payment fees. Apparently they forgot to zero me out before the beginning of the year! I then received a letter stating that my mortgage had been sold to CITI MORTGAGE!!!

CITI MORTGAGE!!! MY WORST NIGHTMARE!!! In July of this year, I was told that my house payment was going to be increasing to $1410.00 a month, due to property taxes. OH MY GOD!!! Ever since the change, I have been struggling to make ends meet. I have contacted CITI MORTGAGE, who continually sends me from ST. Louis to Maryland and then back again, trying to get some help!!! I receive over twelve calls a day, wanting to know when I am going to make my next payment, even after I have made arrangements with the loss prevention people. They constantly ask me to feel out hardship paperwork, which time and time again I have faxed to them. Each time I speak with them, they deny receiving it. Lesson, anytime you say or do anything with CITI MORTAGE, keep a detailed record!!! Names, times, specifics, etc., it may be your only claim to sanity!!!

CITI MORTGAGE payment online is also a rip off. The system is set up to receive a payment only if you are not behind. If you owe more than one month, they system shuts you out, causing you to contact the mortgage company directly. So now, on top of being late, you lose out on paying the $10.00 online process fee and are forced to pay the $20.00 live transaction fee!!! What a SCAM! Further the online information is not accurate. If you owe late fees, the payment prompt shows you only what your monthly payment is. So you are constantly paying on those late fees. I can no longer afford to make the payments on my home without it affecting my family!!! I can not believe that companies like this are allowed to take advantage of people in this way!!! I could use some advice.