I fell behind on my payments in October because I was unemployed for more than 2 years. I finally got a job in late September but no sooner did I start the new job than Citimortgage raised my payments $300 a month, claiming I needed more money in the escrow fund. I am now more than 2 months behind but attempted to make a partial payment to show that I'm trying to pay and get caught up. But Citimortgage rejected the payment--I either pay everything I owe or I can't pay anything. This will just snowball. Let me pay what I can; let me catch up. I've filed for a loan modification but after reading many other complaints, I'm afraid of what they'll do next. Any thoughts?

I have reached out to an attorney, not a loan mod attorney..a real attorney, because I do not know what else to do. Throughout this process I have been told foreclosure proceedings would be postponed while in the modification process, then I receive a notice of foreclosure. On the notice it says a representative contacted me 6/7/2010, that is a bold faced lie. I EMMEDIATELY tried make a payment and they would not accept it. I was then told there would be no sale date while in the loan mod process, and I now have a sale date, and they still will not accept a payment. I have been told for 3 months now my loan is “locked” and its Citi’s error and they are working to fix it. I asked if it’s not fixed by the sale date then I lose my home and they said YES. I then went into the branch for help and was told to try another modification program, so I did but only to learn that I NEVER qualified to BEGIN WITH for the original loan mod program. I have been lied to, hung up on, I have been given hoop after hoop to jump through and I have jumped. Citimortgage has without a doubt FAILED to make any attempt what so ever to help me avoid foreclosure. Funny thing is, my home has value. Maybe it is in the best interest of Citi to foreclose. I wonder how many homeowners they have foreclosed on while in the modification process, I wonder how many of them had value in their homes. My aunt is experiencing a run around as well. Her husband having lung cancer is not a hardship according to Citi…their home has value.

I intend to pursue this to the full extent of my power and the law.

My message to an attorney
Your Message:
I have been in the loan modification process for 8 months with Citimortgage. I have jumped through hoop after hoop and have been told lie after lie only to find out last night that I didn’t qualify for the loan mod I was in. My sale date is Dec 20 and I now have to start the loan mod process under a new program. My gut tells me that it is in CitiMortgage's best interest TO foreclose, my house has value. I am not upside down. I have been in the mortgage industry for over 10 years so when my company crashed in 2007 I have spent the last 3 years trying to hang on to my home and just hang on. I am working now with Wells Fargo, and have pleaded with them only to hear "this is the thing". I have been hung up on, I have been thrown back into the call que...it's endless. I would truly like to see how many homes they have foreclosed on where the circumstances where similar to mine, where the homeowner was just given the run around until it was too late, I bet their homes had value as well.

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I would also like to add my aunt is also going through the modification process with Citi. for about 8 months as well. She has made her payments but has occasionally been late. She was laid off a little over a year ago, then last year her husband was diagnosed with lung cancer and had to retire early and all that information was in the hardship letter to Citi. My aunt was declined, Citi said she did not have enough hardship...my aunts home has value as well.

I told the lady I spoke to today in the Loss Midigation department, I will nail a letter to the wall of my house telling the story of how Citimortgage screwed right above my cold dead body. My husband calls me at work every hour to make sure I havent offed myself.

This is not the first time but when I saw that my mortgage payment was not cleared at my bank on the 15th when it was mailed on the 5th I called or tried to call Citimortgage. After hours trying to get through and then getting through and not understanding what the person was trying to tell me I was Livid. I asked to talk to someone in the US and they said they would transfer me and they would hang up. Then you have to wait on the phone for another 30 minutes or more to get another person on the phone. I spoke to about 6 different people and this is what one of them said. That the post office said they have my mortgage payment...COME ON... I was nervous because I gave this person my social security number and all kinds of information and thats the answer I got. Then another person was nice and said lets give it one more day...and WOW the check appeared. This company is the most incompetent company I have ever dealt with. I am going to remortgage as soon as I can.

January 2010, I applied for a loan modification. I signed a contract, from CitiMortgage, that stated it would take 90 days and I would have a new trial mortgage payment. I was reassured I qualified for teh program. After submitting all required documents and making my payments on the day I was required for 90 days, I heard nothing. On month 4, April 2010, I made my payment and was told everything was OK. That they were overwhelmed, but I was in final review. May 2010, nothing yet. Paid on time. This time I was quizzed my the girl why I in the program and told some forms had expired and I needed to resubmit. I did immediately and was told I should hear soon. June 2010, made my payment, but no progress. A phrase that I hear every time I call was "you are in the final stages of review." July 2010, made my payment with "you are in final stages of review." July 26, 2010, I receive a much anticipated letter from CitiMortgage, but this letter pushes me to the brink of suicide. It claimed I was behind 2 months mortgage and could possibly be moved into pre-foreclosure.

I call the number on the phone, but get nothing; just a full mailbox. The next day I get through, I get sent to my "counselor." I was told on July 19 I was denied the federal loan modification and on July 21 my account was sent to collections. During the conversation, the girl advised my account was moved to the companies loan modification and I should hear something within the next 30 days. I still, to this day in October, have never received notice why I was turned down, per the contract I signed. My mortgage payment was raised $800, pre loan modification. They added escrow without my permission.

The following week, the next person I get a call from was collections. "Sell your house then sir, we want our $11, 000 dollars. Don't you want to stay in your house, then we need that money.""You are no longer in a loan modifcation." So I call back my "counselor". Her voicemail stated she was in training for 30 days and would not be checking her voicemail. Her supervisor had the same message. Now began the weekly calls for months in regards to people that I never spoken to twice. I finally had someone tell me I was in the process for a company loan modification, but it would now take 60 days; the end of September, 2010 (9 months if you're keeping track). I finally had to contact a loan modification company to help me. That is $3300 out of my pocket. I pay my September mortgage on time, but technically I'm still two months behind.

October 1st. CitiMortgage collections calls like clock work, we're becoming friends now. But as for customer service, that's a different story. Citimortgage left a message for me to call, "Mr. F#####, please call me (no name left) back at 866-###-####. Thank you." I called and no had any idea who called me or why. A few days later, the service I paid for calls me and says a woman named Shirley (CitiMortgage will never let me talk to her) says she needs my 2009 taxes, which they have! So after 2 hours of trying to reach Shirley and getting denied, I'm finally told they want every piece of tax return I can send. I faxed 82 pages of Turbo Tax crap. It took 3 days to verify someone received it. I was eventually told it was received, but now Cory was my counselor. they even gave me his direct number. Well Cory doesn't have voicemail. The number given just rings and rings... It occassionally had a busy signal, but still nothing.

This time I get a new manager at customer service who even gives me her employee ID number. She tells me that I have a diferent counselor. She says she is sympathetic to my problem and doesn't understand what the hold up is. Several e-mails were sent to Cory and my new counselor and doesn't understand why no one has called me back. This manager promised she would call me back within a few hours to see if she got anywhere. Three days later I'm still waiting, but my friend the collections agent called and promised to help me if I could at least pay my late fee of $1700, even though technically I have never been late and this isn't my fault, though CitiMortgage doesn't see it that way.

I don't know where else to turn or where to go. Why do these companies assume I just have $11K just laying around when they lied and put me in this position in the first place. I have never felt so lost and such a loser. I have thought several times of pulling the trigger and ending it all. Maybe my wife could use the life insurance money to pay for teh house, but then I stopped myself. Not because the fear of death, the fear that my term-life insurance is with Primerica, a company by Citi, which owns CitiMortage, which means my wife and kids wouldn't get a dime.

Citimortage is a company of bloodsuckers. Lost my job and asked for help through modification, etc. and they refused to help. They keep charging late fees on top of the already assessed late fees. I am paying what I can and have trimmed every part of my budget to make payments to them. i need to stay in my house for sake of 3 kids but they are not helping! I am not asking to be excused from paying mortgage, just give me 6-12 months to get back on my feet. I should really just go and shoot the place up but I don't have money for bullets because I owe so much in late fees. I hope all the rich folks at Citimortgage are enjoying their millions while the working class shovels their shit. Have a nice day!