I found out we are being foreclosed on with no notification from Citi Mortgage

Help! I am in the same situation. I applied for a deferment, and they said I qualified and then I heard nothing for two and half months. Each time I called they said it was pending but couldn't tell me why. Then I get letter stating that I am in default and owe all these fees. I tried to make payments toward it but couldn't log onto online acct. (apparently it was locked and I had to call customer service. When I called I would get routed and no one could answer my questions. Now I can't get any of the numbers I call to answer. I get hung up on or get a busy tone, and I still can't pay online. The last check I sent never cleared my acct. so I don't know what to do.

Foreclosure- Guys I have been in Mortgage Servicing for over 25 Years. As for saying the banks don't care, you are wrong. The last thing they want is your house.

Stop playing with the mortgage companies that you are behind on. If they cannot work with your right away, file Chapter 13 and start repaying your mortgage. As for your credit it is shot now so that should be the last thing on your mind. If you chose doing this make sure you can make the payments to the mortgage company when you file and to the bankruptcy trustee on the back payments. as for your other debts forget about them. pay your house payment and car. I also will suggest doing the cramdown on the property and on the car. This way you are only paying for the value of the property now.

Since they won't play ball, it is time for you to be captain and make the moves to keep your house.

I hope everyone gets to Win......

Cathy, I am in such a similar situation as yours, it isn't funny! An attorney I know had 900 cases illegal, fraudulant foreclosures by CitiMortgage/CitiGroup. And Dennis, banks DONT care, and filing bankruptcy, when your the one done wrong, by them not following the proper channels with at least not notifying the borrow of their actions, is just wrong. A person shouldn't have to file bankruptcy when the mortgage company is at fault!

Give me a for instance that a bank is wrong regarding foreclosing on a mortgage? Then I may agree with you. But something has gone wrong that is why the mortgage is in foreclosure. But I am trying to offer help than argue. And this is not a issue for us to piss back an forth about. I want to get the information to see what has been done at this point and why it is happening. If it can be fixed I want to see what needs to be fixed. I am tired of mortgage companies not working with people and they give up. So if there is hope I want to assist.

we purchased a home in florida 2/7/08 30 yr fixed first mortgage and what we were told was a 15 year fixed second mortgage...2nd mortgage was sold/transfered to city 3 months later (to this day we have NEVER been a day late on either mortgage) we have both recently lost our jobs..I called citi today (no help spoke with a supe who said call back AFTER you fall behind) Now here is the kicker ...citi informs me the 2nd mortgage is a 15 year Fixed Rate Home Equity Loan with a balloon at 15 yrs....WOW!!!! They could not tell me the amount due on balloon pymnt..How is it possible to purchase a home with a home equity loan???????????? Any advice on where to go from here would be appreciated

If anyone is in the need of advice Good Luck

I have a mortgage with Citimortgage, and I too have fallen behind because of the economy. I submitted my loan modification paperwork with financials 4 months ago. I have never heard from my loss mitigator, and every time I call the collection department I am told not to worry, because the mitigator will call me. Today I received foreclosure papers. What a joke. If they weren't going to try and work with me, then just say that. This is the only home my children have known. I don't expect or want a handout, just an honest answer.

Have been in touch with Citi for 6 months. Just became 90 days late. Have submitted 5 Hardship Packets...various calls, we will get back to you, etc...Have been on the phone for hours and no real person...told to ignore credtiors department that i was in the system for Loss Mitigaton...short sale is next and they stand to lose $500,000 as my home is high end...frustrated

Anyone trying to get ahold of me leave me a message and your name I will get back to you the same day.

I have been in the Citimortgage Loss Mitigation procedure for a few months. No paper work from them and no call. House is worth about 75% of what is owed according to a realtor I had pull comps. Have found a house I would like to rent that I can afford (can't afford this one and can't sell it). Should I list it for sale and try to get a short sell through or just walk away?

Citi Mortgage sucks.
Stop been nice to you lender, the all idiots who last week where flipping hamburgers. They don't really khow what are they doing.
I dialing with that all the time.
Try to do a short sale, get a agent with experience on that.
This is what I am doing all they long.
Get a short sale

Hello,

I know alot of you might think I'm apart of the problem but believe me I'm not! I just started in the Real Estate Business this year and I'm tired of seeing people hurt by the economy including myself.
The real problem that happened with Real Estate and the Finanicals is Greed!!!!!!!!! Banks keep on Spending and Real Estate Agents kept on offering homes that people could not afford. But the Banks allowed it. So you, I and Everyone else has to deal with it.
Here is my suggestion. If you can't get your home Loan Modified then talk to an agent for a Short Sale. Do not go into Foreclosure!!!! Short Sales only hurt your credit by 50 points and you can't buy a home for 2 years. Foreclosure hurts your credit for 5-7 years and 250 points(ouch).
So if your in the Southwest Florida Area and you need to sell call me, find my profile, and get something done! Investors and others who where not caught up in the bubble are now purchasing. Get off your soap box and fix the problem, DO NOT RELY on the BANK to FIX YOUR PROBLEM!!!!!!!!

I have spoke with almost 20 people at Citimortgage and no one seems to know what is going on. I have been disconnected and when I called back the offices were closed. I had a woman tell me she is my account manager and now when I call her extension I get a busy signal. I have been told I could not speak with a manager. I have been transfered to different departments 14 times. They dropped my interest rate by 0.02% but I will not get any paper work for 40 days! What is going on? I don't expect a hand out (Like Citimortgage) but they won't even work with me.

We signed a lease with homeowners September 1, 2009. Whilw we were unloading our final load, we discovered a manila doorknob hanger from Citi Mortgage asking the owners to call immediatley. I contacted the landlord (home owner) and asked him if they were late on their payments. Of course he said no. Since then we have receiver three (3) urgent overnight envelopes delivered to our door from Citi. I called the homeowner wach time and was assured everything was ok. I went ahead and sent the envelopes to them as they are now living in California. The house we are paying them for is owned by them and is in Wawshington State. Saturday, Dec 19 we received a torn enveelope from Citi Mortgage sent in the mail this time. I was able to view the contents. The letter was sent advising the homeowners may have received a cancelation of their forbearance but that it was mistakenly sent out and they could disregard the earlier sent letter (if they received one). Okay. the owners have not updated their address with Citi and no longer reside inthe state where the forbeared property is located (Washington). We have read horro stories about tennants being given 20 days notice to move because the property has sold at auction. The owners appear to have been granted a forbearance and are most likely paying significantly less than their original mortgage payment. We feel they are being dishonest and have squandered our hefty deposit and are living off of our timely paid rent while not paying there own payment. We are tempted to advise them we will not pay rent until we get reassurance or notification from Citi and the bank where our deposit is supposedly (by law) being held. Help! We are honest people and this is difficult for us.

So, the last person feels that they can live somewhere RENT FREE because they think the owners/lessors are behind on the mortgage? Try going to your local courthouse and getting the foreclosure filings and moving in..won't work.

"If" the owners are collecting money for you living there, this is nor different than them living there and "saving" their mortgage payment until the "foreclosure" date comes. If you are renting/leasing, this tells me you either can't afford or qualify for a home loan either!

First Step, ask the owners. Not satisfied with their answer, the recording of the deed and lien is at the county level. You can see it for free or minimal cost.

Cathy, same here. I applied for a 3 month deferment. I was appoved but at the end of the 3 months , i got a call from citi telling me i was 3 months late and they wanted a payment. I told them that there must be some kind of mistake and that my next payment wasn't due for couple more weeks. I told them to check their computer records and get operator so-n-so on the line so we could get this straightened out. I mite add that i was days away from signing re-fi papers that would have got me away from citi and thier high interest rate and put me in a pretty sweet deal. They then told me that their records did in fact show that I had been approved but that I had then been denied several days later and they were not required by law to contact me. I never did get to talk to operator so-n-so. This had been turned over to collections and reported to my credit without ANY attempts to contact me. I am told this is totaly legal. Dealing with citi can only be described as an episode of the twilight zone. Now my credit is screwed, the attorneys are looking for me and 10 yrs of hardwork and sacrifice are down the drain. I keep hearing about all these wonderful government programs to 'help people like me'. But all the real money went to the ceos for doing such a wonderful job of screwing all of us. Stand strong Cathy. You are not alone.

I am being played. citi is telling me you pay this,820. mos i did it.i sent 4 copys hard ship papers to citi but thy told me.your not in a program. some bbb told me your not in ham at all. 6mos paying 820.1amo.i want to think citi ok i well not give up .my home of 22 years i pray for all of us.

I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn’t go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks?

A lot have lost their homes, and lot more still will unless you do what’s necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred.

I know I would have lost it to Wachovia if it wasn’t for him and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interested rate & payment.

Before anyone else on here loses their homes you need to give them a call. Don’t be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes!

I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!)

So, I am making it my mission to spread the word on this GREAT company!

First let me say I am very, very disappointed in the way Citi Mortgage has handled my father’s account. My father has paid on time for the last several years and he has even paid more than his designated amount as he was trying to reduce his principal balance.
He then lost his job after 25 years employment and has been financially challenged due to his present situation. He always worked hard and paid for what he wanted and this has taken a great toll on him at this time. He is very distraught!
Citimortgage has mishandled his account.
First, I inquired in October/08 about whether or not ‘both” mortgages, the first and the second with CitiMortgage could be considered for a loan modification. A Citimortgage representative told me that this could not be done, only to find out later, “both” mortgages should have been considered at the same time so the ratio would be around 45%, not the traditional 31%.

My father paid the “trial” payments and as agreed and while he was making the agreed upon trial payment on the first mortgage, Citimortgage had the audacity to “charge” off the “second” mortgage even after I was told, they would “wait” until a decision was made on the first mortgage!

Not once, was was my dad ever offered a special forbearance or repayment plan at eighty-percent (80%) nor was I ever even offered the opportunity to make a reduced payment. The representative assured me nothing would be done with the second and then it was charged off!! This I do not understand and I would welcome the opportunity for YOU to explain why this occurred since neither my father nor I were offered any other options.

I also understand this is not the first time a second mortgage has been charged off an account while the customer was told to wait on the outcome of his first mortgage. It appears this is a continuous habit or practice that CitiMortgage does and feels they can get away with because borrowers do not take the time to write a letter such as this.

When my father was originally declined for the first mortgage modification, I had to request another appraisal be done because your software program reflected a “principal” balance of $520,239.74. His principal balance was only $246,283.87. Why did your so-called software have his principal balance almost double what he actually owed? I think it was probably because they felt the average debtor would not question it. You are so wrong!!!

After they re-entered my father’s information with the correct principal balance, he was approved for the home affordable modification.

He paid for approximately 5 months straight or longer and then he is now told he does not qualify. Why? Nothing has changed in his financial situation. It is the same as it was when he first applied so he does not understand the denial nor do I.

When a person does not get approved for the HAM program, I was told by your representative on Feb. 19th he should have been considered for the “Supplemental Modification.” .

After speaking with a representative today, I find that the supplemental modification was processed on 12/15/2009 BUT no one ever bothered to contact me or my father advising us of this. His supplemental modification payment is $792.38 and we have been paying $1000.45 for the last several months with no one ever letting me or my father know he was approved for the supplemental modification. Why did this occur? We have never been given the opportunity to “accept the offer” and therefore the loan modification tool has now been locked and the representative could not access it today.

Not only have they decided to charge my father’s account off, they failed to notify him of the supplemental modification results and if this is “common” procedure, why weren’t we ever told about this until today?

It appears to my father and me that you they to gain possession of the property for their own personal financial gain.

Not only did they place the property in F/C status, they actually “sold” my father’s property in a foreclosure sale on 2/19/10 even though I have a letter stating we have until the 22nd of February to contact your office regarding his account.

I now know this type of action is not legal and I intend to contact any and all media personnel that will listen to my dilemma. nationwide.

My father has worked hard to keep this property and for CitiMortgage to blatantly lie and mislead us is beyond question and the worse thing that you could have done!!!

I

on February 21, 2009 at 10:41 AM - I feel your pain Cathy Sherman. If I had some money I would give it to you. I wish alll of us good luck. It is heart wrenching to see hard working Americans dwon on their luck and strugling to keep their houses and the people at CitIMortgage do not show any compassion and understanding.I was in forbearance for 4 months till June last year. I was then put on this Partial payment plan Last June 2009, with my payment getting reduced by about 35% which is manageable for me. SO I am kind of happy for that. HOwever, it has been a frustrating 12 months with CITI MROTGAGE. I was originally told that my modified payment will be made permanent in three months i.e byt Octber 31st 2009. I keep calling them every week and it has still not been finalized. Also, I have sent all my documents, the afftidavit, the IRS 4506-T, pay stub, LOF, etc. TAx returns, bank statements, many time sover. They say there is problem ( bug)with a computer applicaiton tool and they do not have an ETA whne it willb e fixed. So I ahve been in this loan modification limbo for nearly 16 months now. I make sure I make my payments regualraly and on time. . I do not knwo why the GOverment is not able to interject and ask CITY to expedite the process. And talking to CITIMortgge on the 866 713 4784 number with THE CSR is a waste of time. THe CSR's are unable to help and are duds. The just read teh last update on the computer screen and openly tell me that there is nothing that they can do unless some one in the back office works on the account and updates teh account on the computer. Sincwe January 1st my account has been bounced around bwetween underwirters, counselors and porcessors and the staus is the same from six months ago even thouhg I started my Loan MOD process last June 9th. Do not knwo if they are telling the truth.
GOD HELP US ALL.

We are dealing with the same stuff with Citi Morgage, A loan Modification does not take up to a year!!!!!! been going through this since last August, but My husband was laid off, and we asked for the loan Modification. They said there are 3 modification's and we did not qaulifi for the first one or the seconde one, But the neglected to tell us it would hurt are credit! had we know now what we new before doing the loan Modication we would of just kepted are loan as is. and asked for help somewhere else. I been dealing with them. one of there loan officer's told me the sent us a text saying our modiification did not go through.... who on earth send's a text to a HOME phone? and we been getting phone call's from the philipeen's as well. then we kepted seeing when we send our check's to them...they would not cash them till the next moneth, so they said we were at default on our loan. so we took matter into our own hand's and sent it certified for the to sign. we kept an i on that letter and it did get signed on the Month. but was not cash till the next month again at the END of that Month! They were takeing on fee's that did not make sence.. so I called them and asked about there fee's that they were takeing onto, One of there fee's was, they come out to your home to see if your the home owner's. OK I did not have anyone come to my DOOR asking me if I was the HOME OWNER!!!! I have documented all my call's even as to printing out the call's DATE'S AND TIME'S and employee ID number and the name of the employee I talk to that day. They even said I had Coucler's and gave me bogus number's excepted for 2 of the coucler's and I keep calling them coucler'sBut they do not call me back' and do you think they get back to me NO! Call your local New's media. I called my local New's and I called Date Line you might want to contacted a Lawyer as we are doing this today... They said on one of the goodmorning america or date line that CITI MORGAGE is the number one Morgage that is makeing good Money! NOW I know WHY! I hope that this help's. Document all your call's take there employee ID number and keep bitching at them...contacted your local congress and your atterney general's office... let them know what is going on...This need's to STOP! We did nothing wrong! This need's to get out to the Media!!!!!!!!!!!!!!!!!!!!!
Sincerly
Going through
HELL with CITI MORGAGE
P.S WE ALL NEED TO GET TOGETHER AND FIGHT!

We are dealing with the same stuff with Citi Morgage, A loan Modification does not take up to a year!!!!!! been going through this since last August, but My husband was laid off, and we asked for the loan Modification. They said there are 3 modification's and we did not qaulifi for the first one or the seconde one, But they neglected to tell us it would hurt are credit! had we known now what we new before doing the loan Modication we would of just kepted are loan as is. and asked for help somewhere else. I been dealing with them. one of there loan officer's told me the sent us a text saying our modiification did not go through.... who on earth send's a text to a HOME phone? and we been getting phone call's from the philipeen's as well. then we kepted seeing when we send our check's to them...they would not cash them till the next moneth, so they said we were at default on our loan. so we took matter into our own hand's and sent it certified for the to sign. we kept an i on that letter and it did get signed on the Month. but was not cash till the next month again at the END of that Month! They were tacking on fee's that did not make sence.. so I called them and asked about there fee's that they were tacking on, One of there fee's was, they come out to your home to see if your the home owner's. OK I did not have anyone come to my DOOR asking me if I was the HOME OWNER!!!! I have documented all my call's even as to printing out the call's DATE'S AND TIME'S from my phone bill,and wrote down the name of the people I talk to employee ID number and the day I talk to. They even said I had Coucler's and gave me bogus number's excepted for 2 of the coucler's and I keep calling them coucler'sBut they do not call me back' and do you think they get back to me NO! Call your local New's media. I called my local New's and I called Date Line you might want to contacted a Lawyer as we are doing this today... They said on one of the goodmorning america or date line that CITI MORGAGE is the number one Morgage that is makeing good Money! NOW I know WHY! I hope that this help's. Document all your call's take there employee ID number and keep bitching at them...contacted your local congress and your atterney general's office... let them know what is going on...This need's to STOP! We did nothing wrong! This need's to get out to the Media!!!!!!!!!!!!!!!!!!!!!
Today's Date 6-28-10
One of the and reveiwer's called me and told me that we were aproved, but that is what they been saying for 5 month's as I explained to them, but he was saying they are sending it off to the underwriter's of Fanny May. I again eplained to him that they been saying this AGAIN for 5 month's it's called the HAM Program' I told him they need to stop giving me the run around and send us the paper's so we can get them signed, he also said he would stop the letter's of FORCLOSER' But I told him that' I talk to a Supervizer already, and that they could not stop the letter's as they are in a attimatic system send out as well as phone call's, but AS I READ all these's letter's and seeing alot of you loose your home's. This is very sad!
Sincerly
Going through
HELL with CITI MORGAGE
P.S WE ALL NEED TO GET TOGETHER AND FIGHT!