I filed for bankruptcy because I missed 1 mortgage payment. Citimortgage told me they would send me paperwork so that i could apply the missed payment at the end of the loan. NEVER received the papers and they kept sending my payments back saying full balance needed to be paid. After 6 months of fighting with them to get this situated, I received a notice of foreclusure so I filed bankruptct. After working diligently to get my bankruptcy paid off, Citimortgage is absolutely fighting me to get the bankruptcy codes removed from my account. Ive faxed and mailed the paperwork many times for proof that my bankruptcy is discharged, my lawyer has sent them notices as well as the trustee sending 3 notices. Every time I call and beg them to remove it, I get a non-english speaking person who does nothing but repeat what i say and transfer me around endlessly until I hang up. AS i try to reopen a credit card or get a new car loan to start the credit rebuilding process, I'm being denied as Citimortgage is showing my account is past due/open bankruptcy, 6 MONTHS LATER. So much for rebuilding my credit. I HATE them and as soon as i possibly can, I am refinancing with someone else