This company is very deceiving; for the people who ended up on unemployment like myself, and tried to get on board with the Home modification program they wait 8-9 months later to put your information into a calculator (which only takes a few seconds) to tell you that youd do not qualify because you need at least 9 months of income to get onto the program-is very misleading. They are the white collared crooks who have underminded helping the unfortunate Americans who have fallen victim to this economy. There is also another program that was recommened, but wait a minute... only a few months left on unemployment and guess what? I'm not qualified to participate! So where is the help from this people that we initiated a 30 year relationship with, because employment will come one day soon I pray, and I will remember all the crap that I went through with this company. It's all a matter of time, before they "Citimortgage" is found gulity of some type of foul play! To my fellow homeowners- We must expose them with our personal experiences, and hopefully someone in government will take the intiative to investigate them "Citimortgage!

I am presently waiting for the other shoe to drop when it comes to a CitiMortgage property myself. My mom passed away without a will, so things have been tied up in probate. Nonetheless, I have kept CitiMortgage in the loop every step of the way. I contacted them to apply for a modification when I started having difficulty paying the mortgage and was told that I qualified.

Like a lot of other people, I was on a modified payment program (supposedly working towards a modification) for 6 months, but then I was later told that I didn’t qualify and if I couldn’t pay them the full past due amount, the house would go into foreclosure. Since it has gotten to that point, I’ve gotten conflicting stories about what my options are, and nobody seems to be willing to help, or even know if there is an option for me. To add insult to injury, I am CONSTANTLY (I mean like DAILY) getting phonecalls by random representatives who usually start the conversation by asking for my mom, who is deceased. By the time we work up to who I am, whether I am authorized to speak on the acct, and how much is past due, nobody can give me a straight answer as to how I can be helped.

Honestly, I get the feeling CitiMortgage is just trying to snatch the house from under me! They keep referring me to their foreclosure lawyer as if they have no say in the situation.

They CLAIM that they work to help people stay in their homes, but I think that is a crock of crap!

I am about to contact people to let them know about the shady practices of CitiMortgage… TV, newspapers, Congresspeople and whoever else will listen! This has to stop!

I started the process of my loan modification at the end of October 2009 many letters and phone calls later, 9 months to be exact. I found out that they would only reduce my mortgage 7 dollars. That's right SEVEN DOLLARS. If i would have known that they were just going to waste my time i would have just walked away from my condo as many people who live here have already. This is one big game. After that the Representative said that they are trying to do a traditional modification. Lets see how long that takes.

Upon losing my disability, and worrying that I would fall behind until my appeal case was complete I contacted Citimortgage to be a "pro-active" customer. After explaining my situation to the rep. I was urged to do a loan modification.


The rep. told me that the only way I could be approved for a loan mod. was to stop payment for 3 months. It is important to note that when I made this call I had not been late on ANY payments, but wanted to maintain this mortgage, as I have fought hard for the last 8 years to improve my credit score.

I explained my concern to the representative but he assured me that the non-payments for the next 3 months were necessary for the modification, and that it was strictly an IN-HOUSE procedure and would NOT be reported to the credit bureaus.


We received the modification, but soon found out that it was indeed reported to the credit bureaus. Our credit score dropped dramatically, and I have appealed this, called countless times, been told different excuses, and made to feel like I was lying! Citimortgage is responsible for bringing my credit score from GOOD to POOR, and I am now subjected to high interest rates when applying for credit.

I am so disgusted with Citimortgage, as they have set me back to a place that will make it impossible to access another loan until 2015. We had hoped to sell our home, now we cannot. I could go on and on about this joke of a company but it has had a huge impact on my health. The reps. lie about their names, or they have no concept or training when you are unlucky (most times) to discuss your situation with a polite but useless operator in India. Most of the Americans I have spoken with are obviously past caring about the plight of Citimortgage customers and are extremely rude. There have been many times I just hang up when I hear that certain tone when our conversation starts. I don't need sarcasm in such a serious matter.


I NOW JUST WANT TO WALK AWAY FROM THIS HOME AND SCREW CITIMORTGAGE! ( I don't think I care any longer if my credit score drops further, as this has been an enormous stress that has taken its toll)

WARNING TO EVERY CITIMORTGAGE homeowner who receives a HAMP denial.

I was originally informed that if I were to be denied a HAMP modification, the difference between my monthly HAMP payments and my regular mortgage payment (which amounted to over $4000 in my case), would be put to the BACK of the loan.

The day I was called by Citimortgage to be informed that I was denied my HAMP modification, I was told by the representative who called me that i HAD to apply for an extension, in order to put my difference to the back of the loan. in ORDER to qualify for an extension, i had to make ONE FULL MONTH's payment to bring the account current. So I reluctantly made a full month's payment (this was april 30) and applied for the extension.

Few days later I was told I was denied the extension because the reason for the extension was not valid (the first banker wrote that it was due to a job loss). I talked to a supervisor, and he said the reason that should be put is that I had just been denied the HAMP modification, so had to apply for an extension in order to put the difference to the back of the loan. in order to apply for the extension, (it was now May 2), i had to bring the account current YET AGAIN, but making yet another months' full payment.

3 days later, I get a call from a citimortgage debt collector asking me to pay my outstanding balance. I explain that I applied for the extension, and she tells me the extension has been denied, and that she wanted to work out a payment plan for me to make another months' payment by the end of May. Citimortgage was clearly leaving HAMP denied homeowners to the deep water to swim with the sharks.

Frustrated I called citimortgage YET again, only to be told that there IS the ability to put the HAMP difference between HAMP payments and regular mortgage to the back of the loan, that it is done automatically by citimortgage if they have not heard from you for 15 days, but that BECAUSE I HAD BROUGHT MY ACCOUNT CURRENT, I WAS DEEMED TO HAVE AUTOMATICALLY OPTED OUT OF THE PROGRAM. how does this make ANY FUCKING SENSE PLEASE? I was basically FORCED to bring my account current in ORDER to apply for an extension to put the balance to the back of the loan, ONLY to be then told that BECAUSE I brought my account current I CANNOT now have the balance to be put to the back of the loan.

So guys, if you get denied HAMP by citimortgage, MAKE SURE you ask for the procedure that allows you to put your outstanding balance at the back of the loan WITHOUT having to apply for a silly extension that is just a mere TRICK by citimortgage to make you pay your past due balance while under the trial HAMP!