Citimortgage, Inc. did not follow the original Escrow Schedule that was with the original loan when they bought our loan. They did not put enough money into escrow, had extra money because hazard insurance was $243.00 less than original amount noted in the loan, cannot and will not account for that money. Because they did not put enough money in the Escrow account, our mortgage payment went up almost $200.00 a month. I was under the impression that they have to follow the original terms of the loan upon receiving it. Also, we applied for a loan modification only to find out we were not eligible for one until we were 3 or 4 payments behind; we did not want to fall behind and go into foreclosure. After receiving erroneous information from several Citimortgage reps, we ended up putting our home in our Chapter 7 Bankruptcy because Citimortgage left us no choice. They were not being honest with us. The value of the home went down and we were afraid they might slap us with a deficiencey mortgage. We would have tried to save the home, but we felt that we couldn't trust Citimortgage, Inc. Now, we just need some time to save money to rent.