I have Citimortgage, but I pay my own property taxes and I have my own insurance company that I have been dealing with for years. I have never had an escrow account.

I have never had issues with my flood insurance until they decided in July 2008 to send me an insurance policy for excess flood insurance. I contacted my insurance company right away. I have a 30, 000 dollar mortgage, Citimortgage said that I did not have adequate flood insurance, they wanted me to raise my flood insurance 170, 000 more. I am now up to a total of 220, 000 in coverage.

Citimortgage created an escrow acct, which I am still trying to resolve since last year. They keep sending me letters threatening foreclosure if I do not pay on my escrow. This is all due to flood insurance and that the reps there cannot resolve any issues. I am re-routed to India, then they transfer me to someone else. My husband, my insurance company and myself have been on the phone with them constantly telling them that I have adequate insurance. We have faxed them policies, spoken to reps, they keep telling us that it has been corrected and the policy canceled, I will be receiving a confirmation letter. Guess what, I never receive it.

My most recent call was today and the rep says it will be resolved, my insurance company needs to re-fax the policy (the 10th time or more, I lost count). This has not been resolved, I will still be waiting.

This has caused such aggravation in my household that my children are beginning to feel it. They have started to hit our credit, they are charging late payments (which are not late), and we can't forget they are also charging to send an inspector to the home to see if it is vacant. There has to be something that we can do to stop this harrassment. It is not fair, everyone is feeling this not just the banks. Hopefully someone can read our letters and resolve these issues before they get worse and more families become homeless.. Thanks for reading.

Citifinancial Mortgage Company Inc lost/misapplied my March 2008 payment. I received a letter saying I was 25 days past due. I called them, got someone who did NOT speak English, explained to them that I made the payment, it cleared my bank and I could provide them a copy of my check, front and back to prove it. I spoke to a supervisor named Dave who said I should fax it to 480-753-7974. I did just that 1st thing the next morning. I then started getting annoying phone calls all hours of the evening/night from the collections dept. I re-explained the situation (feels like a million times) and each time was promised they would look into it. Each time I spoke to a different representative, I requested that notes be added to my account so everyone would know that the problem was being worked on. After two weeks of no resolution and TONS of phone calls, I spoke to a supervisor named Brigitte who had me fax the same documentation AGAIN to 469-220-2809. Once again, I got a bunch of BS promises that were never fulfilled. I then spoke to another representative that gave me a different fax number to send my info to 469-220-2816 and that conversation was followed up by a letter requesting the same info. On it was an actual name of a person (surprise). When I called the phone number on the letter, it turned out to be an "invalid number". I faxed in my documentation proving the payment was made a total of 10 times, I have spoken to more people than I can count and yet I can't get a SINGLE person at Citifinancial to do their job. Meanwhile I am getting threatening letters stating they will foreclose, they will accelerate the loan, my credit is being affected AND to add insult to injury, they have my money and I have done NOTHING wrong. Citifinancial is a fraudulent company that is probably to blame for the so-called home foreclosure crisis. If they are doing this to me, they are doing it to others. Someone needs to do something about this!!!