Citi Mortgage

by Anonymous From Ellijay, GA on October 20, 2008

Phone calls begin the first day your payment is late. There are no grace periods.

by miguel maldonado From Orlando, FL on October 17, 2008

by Kelly Blasko From Denver, CO on October 16, 2008

by Susan Chacon From Salinas, CA on October 15, 2008

by Richard Cole From Hemet, CA on October 15, 2008

We Got behind on our payments by 2 months, for loss of income. We asked Citibank to add it on to the 30 years and we would be able to pay as usual once the new income came in.We never recieved a response nor help.We just keep getting the run around and letters every week saying the're going to Foreclose on us.I call everyday asking for help. They tell me that the only person I can speek with is a Micheal Silverman.(In which he is to contact us.)They will not give me his extention nor do I recieve a call from him. I'm starting to wopnder if this person exists. Citibank is horrible and they do not care if famlies lose their home.We are on our way out.It could have been prevented...

by Mike Mayle From Martins Ferry, OH on October 09, 2008

by Anonymous From Carrollton, GA on October 09, 2008

They refused to let me talk to someone about my situation. Instead they made me fax in a form and told me to wait to be contacted.

by Anonymous From East Leroy, MI on October 07, 2008

by Anonymous From Grapeview, WA on October 06, 2008

by Anthony Bacon From Windsor Mill, MD on October 06, 2008

They are horrible!!! When I first reached out for help I was told repeatedly that they could not help me unless my account was at least 30 days past due. Once I gave in to that, they still offered me no help. Whenever I inquired about short sales, etc. I received 20 different answers from 20 different customer reps. They are the worst!

by Anonymous From Mine Hill, NJ on October 06, 2008

by Anonymous From Finksburg, MD on October 05, 2008

Every time I contact them, it is a different case manager. No one seems to leave notes on our account, and we have to re-explain everything every single time we speak to CitiMortgage. Their loan modification department is EXCEEDINGLY poor, as we always end up with a different person as well and have to re-submit our information. If we call back the next day, no one knows who we are and we have to do everything again. This leads to nothing getting done and absolutely no assistance from Citi.

by piccolla harris From Charlotte, NC on October 02, 2008

by simranjit kaur From Lemoore, CA on October 01, 2008

by Peggy Printz From Las Vegas, NV on September 30, 2008

by Anonymous From Imperial, MO on September 29, 2008

by Pat From Gonzales, LA on September 28, 2008

This is a rip off company. Every time we send our payment in the put it to unapplied fee's. O.K. Can you tell me exactly what unapplied fee's are: The best I can guess is that they are taking my payment and loaning it out to other poor unexpected people that want a home of their own. But in the mean time they keep saying we are late on our payments or we have a payment not made in March and December. This one screwed up Company. But do you want to know the really screwed up Part of it all. They can legally do this. I had to change my phone # to an unlisted #. I was Harrased daily from them, sometimes twice a day. I am soooooo ready to tell them to take the house and stick it where the sun don't shine. Can I get an AMEN

by Anonymous From Garland, TX on September 26, 2008

by Riki Spence From Chattanooga, TN on September 26, 2008

by Anonymous From Independence, MO on September 26, 2008

I called citi-mortage on 08/01/2008 to let them know i had lost my job of 15 years,they said someone would call me in 15 days,no call,2 weeks later i called to talk to someone they sent me paper work which i faxed back to them on sept.1st,they told me i could get a partial claim but it could take up to 40 days before someone would call me back,well after much harassing calls in the last 2 days from them i finally demanded that they help me,today they tell me they have never heard of a partial claim,

by Annette Myers From Saint Joseph, MO on September 25, 2008

They have the worst possible customer service ever. Their website says they have CS hours until midnite on M-F but I have been trying to reach someone since 4 pm CST and it cuts me off and says they are closed???? No one speaks English that you can understand and NO ONE knows how to transfer calls without losing you completely. Since my problems began in the spring, I have had 6 different "case workers".....they either get transfered, fired or just disappear....along with my papers, my files...my concerns... my issues... my life... basically. So I start over with someone new.

by Anonymous From Saint Louis, MO on September 24, 2008

They have made a lot of errors in my account. They still have not corrected them. They have not posted numerous payments that I have made.

by Anonymous From Saint Marys, PA on September 23, 2008

by Tracy Moretz From Spring, TX on September 22, 2008

by Anonymous From Tuscaloosa, AL on September 22, 2008

by Nicole Ruane From Randolph, NJ on September 22, 2008

by Anonymous From Grand Rapids, MI on September 20, 2008

My escrow has been a big issue. i pay over 400/ month in escrow payments and my yearly taxes are 3000.00 it has put me under and now i am fighting to save my house.

by Anonymous From Drexel Hill, PA on September 19, 2008

When I tried to get in touch with our workout solution counselor I kept receiving his voice mail and the box was always full. I was never able to leave a message. Also I sent money in a certified check and I don't think it was ever credited to our account. I'm still trying to find out

by Cristy Frohm From Jackson, MI on September 18, 2008

I have sent in the application for special forbearance and have called repeatedly to confirm reciept and I get the run around from them. They do not want to work woth people and they just send out the paperwork to say they did something.

by electra From Jackson, LA on September 18, 2008

My husband and I too are extremely disappointed in Citimortgage. According to our mortgage the PMI at 80% can be cancelled upon our making a request to do so. Then automatically cancelled when we reach 78%. We made additional payments to our mortgage and are at 75% and still Citimortgage insists we have another year to go. I spoke with a representative and asked her if Citimortgage considers my husband and I bad customers and are late payers. She replied that our account is considered "VERY GOOD" and we are in excellent standing. My question is why punish and treat highly rated customers so bad? I also had a representative tell me the PMI cannot be cancelled and then we call and another will tell us that it should have been cancelled months ago. I will not speak to an Indian representative again, particularly if they are male. Men from India do not like to discuss "important" matters with women. I was treated like I did not have a brain cell. I'm still fighting the PMI issue and will continue to do so. I found a Homeowners Protection Act of 1998/1999 where it states that at 78% LVT the PMI must be cancelled. I'm also filing a complaint with the Federal Trade Commission and the FDIC. I'm not finished fighting. I wonder if 60 minutes would like a story about how Citimortge treats their reliable paying customers?

by Brandie From Salt Lake City, UT on September 17, 2008

I have had Citimortgage for 10 yrs. We did a streamline back in 2005 to a 15 yr 5.5% interest. I have not had issues with them. They seem to be a decent company. My friend has Chase Mortgage he gets charged 20.00 to make a payment over the phone and 65.00 for Late Payment fees. I do not know what Citi charges but I make my payments on time either through their website or my banks online bill pay.

by Anonymous From Tolleson, AZ on September 17, 2008

by Susan From Crown Point, IN on September 16, 2008

I am not alone after reading of the take over from ABM Amro....my mortgage payment increased $200 more a month. When i talked to a real person, I was told they had the right to keep 2 months in escrow, I had a shortage of $1400--thus my mortgage payment increase of $200 more a month..when I made my old payment under ABM Amro they reported me to the credit bureaus as being late on my mortgage. This company needs to be reported and brought down..they aren't trying at all to keep people in their homes and there is not a single person who calls themselves the president of the company. I wrote a letter explaing that I am also a victim of Identity theft and am on line trying which state to send it to. I'm glad I found this site to learn I am not alone...Better Business Bureau I guess is my next option...how about a class action suit?

by Anonymous From Winthrop, ME on September 16, 2008

No customer service

by Jason Bryant From Columbia, SC on September 16, 2008

by Anonymous From Andover, NJ on September 15, 2008

Citi Mortgage bought my mortgage from ABN Amro. They screwed up my escrow account, which resulted in a shortfall and me owning them an extra $200 every month (which I can't afford) I want to pay my own taxes and insurance, since they hold 2 months extra of my $$$ every year, and they told me I'd have to buy my escrow account for a fee of $250!!! Is this legal? How can they charge me to give my own money back???

by PHILLIP HARVEY From Zephyrhills, FL on September 15, 2008

by lisa vanstrien From Grand Rapids, MI on September 14, 2008

over calculated tax payment. I am being charged 500/ month for 3000/ year taxes.

by Anonymous From Goose Creek, SC on September 13, 2008

by TROY HELDT From Wausau, WI on September 11, 2008

by Betty Collins From Morganton, NC on September 09, 2008

by deanna post From Dodge City, KS on September 08, 2008

My mortgage also got bought out by Citi during the time I was filing an insurance claim, they tried to cash the check which was addressed to amro and me and it was returned. they then sent me a letter saying I had a returned check and had not paid on y mortgage for almost a year. After months of me calling, screaming, adn threatening to get an attorney the issue was settled. This year I have been trying for 3 weeks to get the 2nd check for repairs sent back. First they said the had no info of the claim last year and then later was told they did. I then was continually told something else each time I called. It now is 3 weeks later and hope it is resolved. they always say they are sorry? It means nothing!!! How can we bring these giants down? I run a small business and if I did business like they do I would have no business

by Anonymous From Cincinnati, OH on September 08, 2008

by Jennifer Fields From Hamilton, OH on September 08, 2008

by Lorraine Frischolz From Belvidere, IL on September 04, 2008

by Anonymous From Toledo, OH on September 03, 2008

The operators first language is NOT english-they're hard to understand!

by Celinda Roberts From Stone Mountain, GA on September 01, 2008

by Stephen Crockett From Clemmons, NC on September 01, 2008

by Anonymous From Gray, ME on August 28, 2008

by chasity napper From Pearland, TX on August 27, 2008

by Lawrence Kramer From Stanwood, WA on August 27, 2008

by Anonymous From Chester, SC on August 24, 2008

Need HELP ASAP.

by Anonymous From Charlotte, NC on August 23, 2008

by Frankie Canty From Chester, SC on August 22, 2008

by Scott hendricks From Las Vegas, NV on August 22, 2008

by Anonymous From Tracy City, TN on August 21, 2008

They will not accept anything less than the full amount due. They have sent me many notices saying they can defer a payment but when I call they always have an excuse why it can't be done. If they had done it the first time I called I wouldn't be in this mess. it the first

by Steve From Converse, TX on August 21, 2008

My loan was also bought by Citimortgage. Yes, I have also experienced many of the same issues as many of you that have posted. Including creating an escrow buffer account. Never had that with ABN AMRO. Lets see, also my PMI was to drop off automatically in Feb. '08'. Didnt happen...they strapped me with 6-7 more years of PMI. Customer service? ABN AMRO was the best. Citimortgage will lose. They think they are the only mortgage company in the world. Think twice Citi, I am looking elsewhere evernthough it may cost me a few bucks more.

by Anonymous From Pleasantville, IA on August 20, 2008

We never recieved any information that ABN Ambro was bought out by Citimortage and found out 3 months later when citimortage called and said that we were 2 months behind in payments. We were doing auto withdrawal but no one could find the payments. In the process of trying to find where our money went, we then got a bil from Citimortages collections department for 9000$ or they would foreclose on our home. We ended up spending 13000$ in lawyer fees and payments and we eneded up not having to foreclose but are very much struggling to make payments. Citimortage is a poor excuse of a business and I wish there was something that could be done because talking to them does nothing but cause more frustration.

by glennyce elliott From Piqua, OH on August 18, 2008

not willing to work with people to help them in needed times only want to offer repayment plan's with higher payment's.well if people can't afford their current payment's how are they gonna afford higher payment's to repay the loan doesn't make much since to me.

by RMonsalve From Winter Springs, FL on August 17, 2008

Citi Mortgage is the worst mortgage company I have dealt with, they missed forcasted my taxes so they decided to increase my payment to cover the incorrect amount, I contacted my tax collector got solid numbers and called citi scrow, we did math together they agreed that based on regular payment the account would of being able to cover insurance and taxes, however they sited a citi mortgage policy to maintain atleast two monthly payments in scrow this frivolous why do I need to put more money than necessary in scrow , well they went ahead with the monthly increase I continued to send regular payments citi mortgage has held my on time payments as unapply funds added late payments and reported me late to the credit agencies, now I'm behind a whole month's payment because they ridiculous scrow policy. Citi mortgage reflects complete disregard for customer service, no common sense and its clearly out to squeeze every dollar from its customers, I'm in the process to get even on my payments and refinance my loan with another company that shows commitment to provide customer service and show commitment to its customers, Citi mortgage policies will result in this company to eventually file for bankruptcy and it's policy makers will eventually will be held accountable for their lack of judgment and poor decision making ability.

by Anonymous From Reno, NV on August 16, 2008

citi brought our loan from Chase two years ago. About 14 months ago our rate adj to 10.25 % we could not handle a 3475.00 payment. we went in for a loan mod 9 months ago and still have not resovled. They keep telling us they will have a pachage in 10 to 14 working days. then 5 days later they ask for our most recent pay stubs. This has happen 6 times so far with no end insite. They keep swiching loan reps on us. The longer they do this the more we have to repay. They are a joke. They say they care, they don't. they can have the house it's not worth loosing my family over.

by Anonymous From Springville, UT on August 14, 2008

by VICKI ALSTON From Halls, TN on August 14, 2008

by Anonymous From West Sacramento, CA on August 13, 2008

by W.T. From Kirkland, WA on August 12, 2008

It has been over 9 wks. to close my deal after the sale.My Title company needs a simple updated payoff. If America is going to CHANGE for the better, it has to change its infra- structure, and be rid of companies like this. This company holds the true meaning of pathetic.

by Anonymous From Deerfield Beach, FL on August 11, 2008

These are the worst people I have ever dealt with. Not only are they unprofessional, they are downright nasty. I was told by a representative that they would no longer automatically draft from my bank and to send in the payment by check. I did so, and Citimortgage not only automatically drafted the payment, but they sent in the check twice. I spoke with a supervisor, a Reginald Dunlap who assured me that I would the money would be refunded. To this date, I have not seen my money. My last conversation with Mr. Dunlap was during the month of August and he stated that Citimortgage changed to a new system and to call him back the following week. However, getting through to him has been worst than cracking Fort Knox. I sent a letter with documents to verify my loss to a Mr. Vikram Pandit and have not received any reply from his office. No one appears to know what they are doing and they are extremely rude.

by Maurica Espinoza From Barstow, CA on August 08, 2008

by DemFemme From Lees Summit, MO on August 07, 2008

They lost my payment and won't talk to me about it, or give me a fax number where I can send my proof until I make payment arrangements on THIS month's bill that isn't even due yet! Maybe those aching-ass collectors should stand up and let the blood into their pea brains.

by Anonymous From La Vergne, TN on August 06, 2008

Unless You want to lose your home to foreclosure I would find me another mortgage company.These people will rip you off. They will tell you anything to get your house so they can take it from you.

by Anonymous From Middletown, NY on August 06, 2008

CITI MORTGAGE seems to want you to lose your home.The workable solutions package is a joke.I can never get anyone one the phone that can help.....! But,they do take your money when the get that call....!!!!! Citi SUCKS....!!!!!!!

by JOHN OSULLIVAN From Middletown, NY on August 06, 2008

They have tooo many people answering phones that don't know what they are doing.They give you the run around.

by Adonis Davis From Lansing, MI on August 04, 2008

by Anonymous From West Henrietta, NY on August 01, 2008

by Anonymous From Humble, TX on August 01, 2008

I submitted a workable solutions package before the loan was delinquent. I clearly conveyed that I could not continue to make payments and wanted to resolve the situation. Citimortgage took no action and as a result three potential "short sale" buyers were lost and the property value continues to decrease.

by Mary (Neff) Whitton From Barberton, OH on July 31, 2008

by kris tarantino From West Bend, WI on July 30, 2008

by Abel Arriaga From San Antonio, TX on July 29, 2008

I'm just trying to get back on track with my overdue mortgage payments,to avoid foreclosure on my home,which is already in the process. Could you please help me save my home?

by Anonymous From Greer, SC on July 28, 2008

by DK Snead From Platte City, MO on July 27, 2008

Citimortgage bought my loan after my first payment to a local bank. Then on the third electronic payment they started hassling me about a late charges and would not apply my payments until I paid them. I directed the bank to pay online and no payment was cashed later than 48 hours. But they keep hassling me for the late charges. I usually confirm my payment is in the bank before I submit the request for making the payment. Because there have been a few times when my payroll was erroneously shorted. My job situation is up in the air. I have a job, but my job title could end up reducing my salary as much as $500 a month. At that point, I would not be able to pay the full mortgage payment and buy the fuel to get there...let alone cover my court ordered child support and health insurance obligations. Thank you.

by Anonymous From Broken Arrow, OK on July 26, 2008

by RENATA HARRIS From Columbus, OH on July 25, 2008

CITI MORTG WAS TO PUT ME ON REPAYMENT PLANE AND DID NOT SEND PAPER WORK. DO NOT DO WHAT THEY SAY.

by Anonymous From San Diego, CA on July 23, 2008

Did not follow through with what they said they would do. Never sent me the paperwork for a hardship situation that they said they would. One person actually lied to me and told me that a deed in lieu of foreclosure would not have an impact on my credit score. Yeah right...

by Anonymous From Akron, OH on July 20, 2008

by Anonymous From Glenwood, IL on July 17, 2008

have done a repayment plan with them and they made a mistake and made us do another repayment plan.they are not easy to work with and due to their error they bumped my payment from 900 a month to 1200 a month for mortgage.

by Annette Williams From Mcdonough, GA on July 15, 2008

by Lori Cervantes From Orlando, FL on July 14, 2008

Horrible to work with. Everytime you talk with them you get told a different story. They care nothing about you, one lady who was supposingly an account supervisor told me to call the local Salvation Army!!! I was appauled, its hard enough to admit to financial difficulties. Worst company I have ever dealt with.

by Brian Lee From Royse City, TX on July 14, 2008

by mark goldenberg From New Windsor, NY on July 10, 2008

by Cynthia Mitchell From Tallahassee, FL on July 09, 2008

by Richard From Indianapolis, IN on July 08, 2008

Our mortgage was originally with ABN Amro Mortgage who sold the mortgage to CitiMortgage. We has a storm damage loss claim requiring a new roof and other associated expense. Our insurance carrier was helpful and gracious but it had to put the mortgage lender's name on the payment checks. CitiMortgage has given us nothing but the runaround requiring us to run all over to try to get them to sign off on the checks so our contractors can be paid. One contractor wants 24% annual interest on its unpaid balance not paid within 5 days. CitiMortgage doesn't care. CitiMortgage has cost us a lot of needless expense, wasted time, energy and worry.

by Karen Roche From Gouldsboro, PA on July 07, 2008

by Anonymous From Ellenwood, GA on July 03, 2008

Litigation department is very slow in getting back in contact with you. They don't answer their phones. You have to go all around the world to get in contact with someone.

by Charles Green From Southfield, MI on July 03, 2008

by Anonymous From Cayce, SC on July 02, 2008

They took me on as a bad credit risk and I had hoped to get my credit back on track, but health issues and transportation issues have interferred with my plans. I just keep getting the same song that they can only accept x amount because the computer won't recognize any partial payments, which I offered to do.

by Anonymous From Fort Worth, TX on July 02, 2008

by Winston Fletcher From Staten Island, NY on July 01, 2008

by Priscilla mcKiver From Jersey City, NJ on June 30, 2008

by Anonymous From Greer, SC on June 27, 2008

by Brandon Hammond From Columbia, SC on June 25, 2008

by Kervis Caraballo From Allentown, PA on June 25, 2008

by C.P.l From Chicago, IL on June 24, 2008

THE WORST,ALL SHOULD SUE THEM AND PUT THEM OUT OF BUSINESS.

by Anonymous From Rockaway, NJ on June 20, 2008

by Anonymous From Apopka, FL on June 18, 2008

They are uncooperative, and unwilling to help. When they took over our mortgage they did not send any paperwork to us, in fact they did not bother to tell us where to send our payments until 2 months after they had taken over the mortgage. They have been unwilling to work with us when we fell behind after a car accident, and in at least 2 cases has doubled the amount they claim we are overdue in less than a month.

by Anonymous From Manhattan, KS on June 17, 2008

the never return your phone calls.nobody knows anything and when you need help the tell you the work with you what realy never happens. the just transfer you from one person to the other and then you get the forcloser notice and the best thing is the dont even notifiy you the just hand it to you.

by Deborah Nixon From Dunlap, TN on June 15, 2008

by Anonymous From Detroit, MI on June 14, 2008

by Anonymous From Alexandria, VA on June 14, 2008

They expect me to call them back just for them to ask me for payment but they don't want to hear me out, or help me speak to a financial advisor. It took me 3wks to get a workout packet when later i found out I could have downloaded it from their website. They seem to never had recieved my faxes and had my loan number with some other peoples name on it with my address. They also told me that in order to fill that packet out I had to be 90days pastdue on the mortgage. I can't seem to be getting any help, but from AHOME company, a housing counselor.

by Anonymous From Cedar Park, TX on June 13, 2008

by TALYDIA WALKER From Covington, GA on June 13, 2008

by Anonymous From Corona, CA on June 11, 2008

by alexander oliver From Florissant, MO on June 06, 2008

by Ronald Lundeen From Ogilvie, MN on June 06, 2008

i dont like the way they give a pearson the runaround they kept on misplacing my paper work for loss migtagtions then put on time frame to keep and if you are a few hours late you lose

by Keith Romanchik From Arlington, TX on June 05, 2008

3 workable solutions packages sent to them, and all apparently lost?? Receive notice from attorney and foreclosure sale notice, they call after that and have no idea what I'm talking about. One hand has no clue what the other does.

by Anonymous From Cedar Hill, TX on June 04, 2008

loss mitigations rep ans supervisor failed to return my phone calls and messages now got foreclosure notice from attorney

by Katie From Shawnee Mission, KS on June 04, 2008

I think it's annoying to be transferred all over the place and re-asked for the account #. However, the Indian people are SUPER nice and they are all very helpful. They make Americans look like a**holes.

by Katie From Shawnee Mission, KS on June 04, 2008

I think it's annoying to be transferred all over the place and re-asked for the account #. However, the Indian people are SUPER nice and they are all very helpful. They make Americans look like a**holes.

by Anonymous From Spartanburg, SC on June 03, 2008

CitiMortgage is HORRIBLE. I had to place my house on the market due to moving for a job. I knew there would be no way possible for me to manage my mortgage in addition to the new living expenses I would be incurring. CitiMortgage very NICELY placed me on a forbearance agreement - I was not required to make payments during the six months the house was on the market. The house did not sell so I placed a renter in the house and worked out a modification with Citi to repay the six months missed. No problems so far until I tried to buy a new car. Seems as if, during the time I was in the forbearance agreement, CitiMortgage continually reported me as being late on my payments. Now all three of my credit scores are in the can. I can't even trade in my car - not even if I have a co-signer! CitiMortgage made it sound as if my credit score would not take too bad of a hit under the forbearance agreement. Someone should tell them it's not nice to lie. I then contacted them to see if we could work out anything to improve my credit scores. They are almost refusing to talk to me. I asked to talk to someone in the credit disputes department. Guess what I was told? The credit disputes department does not have phone lines! Do they think I am an idiot? I'll NEVER work with CitiMortgage again.

by Anonymous From La Vergne, TN on June 03, 2008

Hard to get a hold of. When I call I am never able to talk to someone that can help me. I am passed around and usually left disconnected.

by Anonymous From Lynchburg, VA on May 30, 2008

Please make this your absolute last choice!!! They propose a solution, then will not provide an opportunity to work with you (and their suggestion/solution). Check was sent via U. S. Mail. They wait far too long to get money from account.

by Anonymous From Wallingford, PA on May 30, 2008

my husband lost is job a month after we moved into our new home. we called for help and they send us a foreclosure notice

by Anonymous From Rockmart, GA on May 30, 2008

Either don't speak english or are the most rude people I have ever done business with!

by Anonymous From Germantown, MD on May 28, 2008

by Suzanne Ruggiero From Redford, MI on May 27, 2008

by Donna Simonds From Adkins, TX on May 26, 2008

I believe they could care less if I can sell my home. What I could use here is some honest help for a change.

by Anonymous From Monroe, LA on May 26, 2008

made my payment on line on line in thier website. they took two housenotes instead of on . causing me to have overdraft charges on my bank acct. i have been dealing with theses people on a saily basas. it took them three days to put the mony bk in my cking acct. but i had to take care of they bk charges. they came first

by Anonymous From Frisco, TX on May 23, 2008

very hard to ever get to right people

by Anonymous From Boston, MA on May 22, 2008

by Anonymous From Humble, TX on May 22, 2008

by Tracy West From Mauldin, SC on May 20, 2008

I have filed complaints with BBB Senators FTC and Dept of consumer affairs could someone out there please investigate and put a stop to this companys illegal practices. My home loan was sold to citi mort from abn amro and sent to foreclosure atty as soonas they got it. I fortunately paid my way out of it 8000 dollars and am still being chatged late fees bogus atty fees that were already paid. They have reversed multiple monthly payments this year and I have been current since paying off their atty in DEc 07. Please help this is a nightmare. I am current on my loan and they are trying to put me back in foreclosure. PLEASE HELP US!!!!

by Anonymous From Minneapolis, MN on May 19, 2008

Wow! This is horrible. Ever since my mortgage was bought from ABN AMRO, it has been nothing but problems with CitiMortgage. First they lost my insurance payment and tried to add $2K to to thel loan. It took two attempts and was finally fixed. Then they tried to raise my monthy amount because of a 'short term escrow analysis'. I had to call them and explain there analysiz was based on projected numbers, not actual. So I had to submit a copy of the tax document (even though they had a copy) and force them to use the correct insurance premium amount and not a projected number for a accurate analysis. I'm not going to give up until they fix it. But I'm going to start looking a a refi.

by mitchell foster From Dillsburg, PA on May 16, 2008

by Helen Murdock From Detroit, MI on May 14, 2008

I did not have any problems with mortgage company. I could talk to any one I was directed to the collection agency. I have problem with them T & T. The company is not helpful and rude to your requests or questions.

by Anonymous From Gaston, SC on May 13, 2008

by Anonymous From Barnegat, NJ on May 07, 2008

Loss mitigation person did not help whatsoever. Everytime I contacted him, he hadn't done anything or needed too and would get back to me, but never did. Also did not return my phine calls

by Michael Lawson From Tampa, FL on May 06, 2008

by Lisa Larsen From Bozeman, MT on May 05, 2008

by Anonymous From Napoleon, OH on May 04, 2008

by barbara strickland From Anderson, CA on May 03, 2008

I have tried to work with them but it's hard to talk to the right person to work this out.

by Ilyaas Shaaf From Niagara Falls, NY on May 01, 2008

by JIMMY SMITH From Detroit, MI on April 30, 2008

by Anonymous From Carlisle, PA on April 28, 2008

Citi Mortgage bought my mortgage from ABN Amro, but was not effective until february of 2008. My payments have been on time (Early) and with extra to principal and Citi Mortgage still screwed things up on my statement. I paid bi-monthly to ABN AMRO with not one problem, but Citi Mortgage is applying my payment where ever they feel like it. Once, part of it was applied to an escrow payment, another time the statement said we were a month behind because they applied my payment to ADDITIONAL PRINCIPAL instead of applying it to my monthly payment. We have been with Citi Mortgage for only 2 months and they have been nothing but trouble. Customer Service is not pleasant and give you the runaround. We are looking to Re-finance ASAP!!! I recommend for your sanity you do the same and run!

by Anonymous From Stone Mountain, GA on April 28, 2008

by michael hendricks From Fort Worth, TX on April 28, 2008

by Anonymous From Kyle, TX on April 22, 2008

by bobby watts From Syracuse, NY on April 20, 2008

by Anonymous From Pittsfield, NH on April 19, 2008

by Ronald Lundeen From Ogilvie, MN on April 18, 2008

by Anonymous From Belleville, IL on April 18, 2008

They really need to learn to communicate better.

by Dasse Yobo From Huntsville, AL on April 17, 2008

by Julie West From Liberty Hill, TX on April 15, 2008

Not having a problem with CitiMortgage, just Bank of America...

by Anonymous From Manassas, VA on April 15, 2008

I have been trying every week for the last 3 months to talk to my mortgage company. No one would/could talk to me about my account except 1 person in loss mitagation. I left several voice mails (when her voice mailbox wasn't too full). She would call me and leave a message asking me to call back. I did so, time and time again. Never got another call back from them. I tried again today (just like every week). My rep. moved to another dept. and wouldn't be helping anyone now or in the future will loss mitagation. The new rep's voice mail is too full and she isn't answering her phone. The CSR's won't or can't talk to me. No communication - and not because I'm not trying, they won't let anyone else talk to me.

by EDWARD HUTTON From Riverdale, GA on April 14, 2008

by Anonymous From Minneapolis, MN on April 13, 2008

by Brandon Hammond From Columbia, SC on April 09, 2008

Refuse to even try to resolve my problem. All they will accept is the full amount and post payment long after the payments are paid resulting in >30 late payments.

by Anonymous From Prescott, WI on April 09, 2008

by Anonymous From Bluffton, SC on April 08, 2008

Apparently based on today's foreclosure rate, it's second nature for a mortgage company to want to foreclose. The consumer was drawn in by low rates offered by the mortgage companies and once the economy took a nose dive, the same mortgage companies who courted consumers with historically low rates decided to recoop and raise rates on those loans. Now, consumers who in a stable market would not have qualified for such loans, are struggling to make timely payments. And if you get behind, typically the mortgage companies are not agreeable to accepting partial payments until the consumer can get back on his feet. Some burden must fall on the mortgage companies as well for "baiting and switching" so many millions of consumers.

by Hugh Baker From Yuba City, CA on April 08, 2008

I cannot say Citi has been rude, difficult or unprofessional, just inflexible. Like most American buisnesses, they employ "go to the freezer get the box" employees, rather than rational problem solvers given the individual impowerment to resolve their client's problems. The biggest issue faceing the mortgage industry in 2008 is voluntary forclosure as a result of falling market equity. I am on both sides of this fence. I have a mortgage I cannot afford, I also belong to a public employee's pension fund that has millions of dollars invested in mortgage-backed securities. The solution for the benefit of both sides and the rest of the market as well, is for mortgage servicers to modify bad mortgages they never should have closed in the first place. It is time to stop playing the blame game and waiting for a government bailout. Servicers need to cut the looses of their note-holder clients and begin to modify their modification policies, policies established years ago in a very different market. If they don't, the real estate market will continue swirl the bowl, waiting for the hand of recession or depression to pull the lever and send it and all of us down the drain.

by judy campbell From Weslaco, TX on April 07, 2008

by Deborah Nixon From Dunlap, TN on April 07, 2008

by Jenese Castro From Tomball, TX on March 31, 2008