I can afford this, why won't they listen and help me avoid foreclosure?

I cant believe what I am reading! I also have my mortgage with AMC now Citresidential, and every comment I have read here I can attest to! I have nothing but problems with them as well. I had always been on time with my mortgage payment, until my husband was out of work for 3 months in the summer, they told me there was nothing they could do for me as well! They didnt take into consideration anything I had to say, and they would only accept full payments, there was no such thing as even making a partial pymt. I encounter nothing but rude people. And now I am arguing 245.00 dollars in bank fees with them because they put through a payment one day before they should have when their website clearly indicates in there confirmation after payment is made that the transaction will not be taken from my bank acct until the end of the next business day!!!! that is not true, it came out the same night!!!!!!!!!! I am just besides myself, me too had been told that about calling back a year later to have ny adjustable rate changed to a fix rate and then I call and Im told also that there is no options avail to me at that time. I never heard of such a thing! HELP ME!!!!!!

I have the same problem with citi they will or wont help us.....i guess they must enjoy acquiring properties to sell