About Citi Mortgage
From their website:
"We’re dedicated to making the dream of homeownership come true for a wide range of customers and partners across the country every day.
Headquartered in St. Louis, Missouri, CitiMortgage is a member of Citigroup and focused on providing the highest quality mortgage products as part of an expansive portfolio of financial services that includes banking, insurance, asset management, credit cards, and much more."
Citi Mortgage's Parent Company is: Citi Group
Blog Entries about Citi Mortgage
- Help get loan modification with Citi Mortgage
- Citi Mortgage will foreclose on me
- Citi Mortgage won't help avoid foreclosure
- FORBEARANCE HELP WITH CITI MORTGAGE
- Forbearance with Citi Mortgage
- Husband lost his overtime
- Loan Modification with Citi Mortgage
- Need forbearance with Citi Mortgage
- How do we get a Deed In Lieu of Foreclosure?
- loan modification with citi mortgage
- Does Citi Mortgage give Loan Modifications?
- Citi Mortgage put me in this
- How can I get current?
- Another foreclosure company scammed me and took my money
- I found out we are being foreclosed on with no notification from Citi Mortgage
- I thought the bankruptcy was going to help me avoid foreclosure????
- The home that is being foreclosed my daughter lives in... this sucks
- I have been paying ontime for quite a while... I guess that does not matter to Citi???
- Losing jobs sure does suck while trying to keep my home
- I am looking into the options of a Deed-in-Lieu, should I be?
Checked Better Business Bureau: Yes
Better Business Bureau Issues
From the BBB website:
"The Bureau processed a total of 208 complaints about this company in the last 36 months, our standard reporting period. Of the total of 208 complaints closed in 36 months, 3 were closed in the last year."
Citi Mortgage's Contact Information
|Address:||1000 Technology Drive |
O'Fallon MO 63368
Citi Mortgage Success Stories from our clients:
We would like to demonstrate to you what we call success. When we save someone's home they are approved for a "Workout" with their Mortgage Company. The Mortgage Company will forward a contract for the client to sign going over the terms of the workout. This workout has many different options and terms. This is a small sample of some of the workouts we have negotiated for our clients and should give you an idea of what we can do for you. Please call us if you have any questions.
Files & Photos
|File Name||Description||Size (KB)|
Reader Comments & Ratings
Average Rating: (2.1/5)
by DAVID BAKER From Twentynine Palms, CA on May 07, 2014
I would avoid any business with CitiMortgage at any cost! they are crooks and love to torment honest responsible and struggling homeowners.
by Anonymous From Wichita Falls, TX on April 10, 2014
Please allow us to keep our home.
by shauna Badger From Provo, UT on March 24, 2014
by Anonymous From Columbus, OH on February 27, 2014
by Gloria solis From Grand Prairie, TX on January 17, 2014
by Carmen Walker From Indianapolis, IN on December 20, 2013
by Anonymous From Jersey City, NJ on December 15, 2013
by Anonymous From Jersey City, NJ on December 15, 2013
by Anonymous From Suffolk, VA on December 14, 2013
by ron harding From McDonald, PA on November 05, 2013
by Anonymous From Camillus, NY on October 25, 2013
Once late at any time their automated system calls so frequently it verges on harassment. Mailings from this company are the same. This company is far from eco friendly.
by Carol Oberle From Thousand Oaks, CA on August 29, 2013
Through no fault of our own we had house damage from a fire. Our insurance company was required to send out several hundred thousand dollars to us (the homeowners), the contractor and the mortgage co. (Citimortgage). Citimortgage had procedures that we had to follow but they didn't. After all repairs were made and competed 100% Citimortgage still had 26 thousand dollars that they kept saying they send us but they had not sent. Out of frustration I refused to pay the mortgage until they sent us OUR 26 thousand dollars. It took 15 months to get them to send us OUR money. The day I received it I sent the check for the mortgage payments I had withheld. They have refused to accept the check. They say our home is already set for foreclosure sale. They are demanding I pay late fees and attorney's fees or lose my home. They had my $26,000. for 15 months and did not pay interest or late fees but expect me to pay those fees to save my home. They are crooks.
by Anonymous From Dallas, TX on August 03, 2013
by Anonymous From Raleigh, NC on July 14, 2013
by Jeffrey Gilliam From Steubenville, OH on June 18, 2013
They Did some of My paper work without me knowledge over the last 2-3 yrs of my loan and it's only been 8 yrs for the loan
by LINDA TURNER From Lexington, KY on April 08, 2013
by brian hubbard From Lawrenceville, GA on February 19, 2013
by Richard Stoker From Coshocton, OH on February 07, 2013
by Anonymous From Newtown Square, PA on January 16, 2013
they are not helpful the reason we had to file bankruptcy was due to their assistance programs - forcing us to go 3 mos late to start with - then to get out of that jam - we just got into another they do not keep us informed about applications and give the runaround whenever we called to get info
by Denise Anderson From Alsip, IL on January 14, 2013
by Frustrated From Freehold, NJ on January 11, 2013
For 2 years, I have been trying to sell this property. I declared Chapter 7 Bankruptcy in February 2008. My mortgage was never reaffirmed. I heard about HAMP and applied in August 2008 to Citi Mortgage. On the phone I was told that I qualified and that my mortgage payment would be reduced by $266 per month. If I made 3 on time payments, I would be accepted into the program. At the end of the 3rd month, I called them. I was told to keep making the payments. At the end of the 9th month when I called, I was told to expect a letter in the mail. I indeed got a letter, a letter OF INTENT TO FORECLOSE. The amount was the difference between what they told me to pay and the original payment. I called and was told that I had to pay the $2428 immediately or they would begin foreclosure proceedings. I borrowed the money and the next month began the regular payment again. I had also listed the house for sale for the balance owed, but it was at the beginning of the housing problem and nobody even came to look at it. When I could no longer afford to live there, I had an attorney notify Citi and the HOA of the community that I was moving out and gave a date. Still the house was on the market. Finally my realtor decided that maybe a Short Sale would be in order. She then reduced the price. People started to look at the home. I lost 6 contracts on the home because Citi did not respond in a timely manner and the people sought other homes. After hurricane Irene, a realtor showed the home and noticed that 2 ceilings had water damage. I still had insurance on the property, so I put in a claim. I was sent a check made to me and Citi Mortgage for repairs. Citi refused to endorse the check, saying they would use the funds toward my arrearages. For 6 months, the check sat in my attorney's office. Finally I called Citi and told them that if that check was used for arrearages, I would consider it insurance fraud. They then endorsed the check and the repairs were made. Fast forward to May, 2012. A contract was put on the house for full asking price. The people asked to have an answer by 7/31/12. Of course that date came and went with no answer. Citi wanted information from the buyers lender, which was provided. Still no answer. I received letters that made no sense from Citi. I finally had my Congressman Chris Smith get involved. He in turn wrote to The Comptroller Of The Currency. Citi elevated my case to a Danny Lopez. I call weekly and each time I call I get a different answer from them. 2 days ago I was told that I didn't qualify for HAFA, that it ended 12/31/12. Maybe so, but I had applied way before the 12/14 deadline. Then I was that I would have to go through a traditional short sale. This was on 1/8/13. Ok, where is my file? Oh, the negotiator no longer has it, Danny Lopez does. I made a phone appointment to speak with Danny Lopez at 4:30 that afternoon. He never called. Yesterday I was advised by my attorney's office that the buyer gave Citi until the close of business yesterday, 1/10/13 to give them an answer. Today I was told that they backed out of the contract. Over 2 years trying to sell this house and 7 lost contracts on a short sale. This last short sale was begun in May, 2012.
by Shannon From Vienna, MD on January 08, 2013
Citi Mortgage... what a rip off they are! We have been through the ringer and now going through it again with that company. After my husband became disabled we filed for a loan modification, after numerous times of being told the paper work that we sent 5 times was never received I requested someone else. Got a new "specialist" whom told us we did not qualify for a mod but we could get a special forbearance plan and that was our only option. We signed the papers because they had to be returned ASAP according to the rep. We've made our payments on time every month yet we were just notified that according to their records our payments were not made on time, those kicking us off the plan and sending us into (to our surprise) immediate sale of the residence per the forced agreement! They have never met this chick and I am going to fight them tooth and nail. I have certified receipts stating the payments were received before the due date and have kept record of EVERYTHING. I will fight them with everything I have; I am sick of big companies screwing the little people...if it kills me I will die knowing my children will rest their heads in their beds every night! I AM DONE!!!
by Sharon Garnica From Fresno, CA on October 03, 2012
They have been great to work with, and that my situation has gotten this far is totally my own fault. They have offered me some options, but I don't want to sell my house or loose it.
by Anonymous From Crestline, CA on September 25, 2012
by mad consumer From Stevens Point, WI on September 24, 2012
A JOKE. 5k loan, 5 years later owe OVER 5k's. Brought us in to 'better the loan', our credit was better, so we could get a lower % . Came out with 68+ months tacked on and 29.99% interest!!Melinda and Lori from the Wausau, Wi office are complete failures at servicing any loan, financial mystery. Melinda had told us as well she had cancelled our insurance plan (we had traded in vehicle) and there was nothing to receive. Triton Insurance, their "insurance" has no actual company phone number to speak with a rep, they refer you right back to citi for cancellation or any other info pertaining to Ins, or the loan. And they tell me it's cancelled, there is your loop! I have a letter FROM triton Ins stating my policy is still in effect, does not expire until 2013, reminding me I may cancel and collect a pro rated refund. FUNNY - Citi insists it's cancelled! Absolute hands down terrible company that has he consumer neck deep in "we don't care' ...they prob. changed their name top try to escape all the negativity associated with them. BBB rating! One Main financial, Citi , - JOKE
by Neil Murphy From Sandy, TX on September 06, 2012
by phillip smith From Spring, TX on August 31, 2012
by Anonymous From Racine, WI on August 11, 2012
by Rick Faraone From Gaithersburg, MD on July 27, 2012
by Anonymous From Edmond, OK on July 06, 2012
by Anonymous From Mcdonough, GA on June 28, 2012
by Cynthia Ellis From Durant, OK on June 27, 2012
by CAROLYN PRENTIS From Richmond, VA on June 18, 2012
I WAS MAKING CALLS AND GETTING THE INFO THEY REQUESTED, EACH TIME I FAXED SOMETHING IN SOMETHING ELSE WAS REQUESTED. I BELIEVE THEY HAVE FIVE OR MORE COPIES OF MY MOTHERS DEATH CERTIFICATE. I HAVE BEEN TRANSFERRED FROM DEPARTMENT TO DEPARTMENT ON ONE PHONE CALL ONLY TO END UP WHERE I STARTED AND TWO HOURS LATER ON SEVERAL OCCASIONS WITH NO RESOLUTION FOR THE CALL.
by samantha roer From Lenoir City, TN on June 18, 2012
by Anonymous From New Braunfels, TX on June 11, 2012
by Deborah Stites From Mount Vernon, WA on June 10, 2012
Not sure I have been in my house now for almost 2 years as my ex filed bankruptcy and prolonged the foreclosure..I now received a letter on my door stating that the foreclosure has started....I need help...
by Magdalena Lebron From Philadelphia, PA on June 05, 2012
by Donnis Wharton From Lawrenceville, GA on June 04, 2012
THEY PUT ME through HELL ONLY TO DENY ME OF MODIFICATION THE NIGHT BEFORE MY HOME WAS SET TO FORECLOSE ALL THEY DO IS STRING YOU ALONG
by Bryan Walker From Aberdeen, MS on May 31, 2012
My wife and I fell into a financial crisis which forced us to file Chapter 13 which resulted in delinquency charges and other arrears. We were thinking that Citi Mortgage was working with us by setting up a repayment plan to bring the account current last year 2/11; only to realize that the modification plan was never really set up so now we still responsible for $4,841.06 in delinquency and late fees or our property will go into foreclosure. Please advise. Would having the loan reinstate be the best options to save our home?
by Bryan Walker From Aberdeen, MS on May 31, 2012
by Anonymous From Corsicana, TX on May 23, 2012
Never can contact your "specialist", the person you do get to talk to isn't helpful and they all tell you different things. The host email they give you to send in your documents is always full.
by Arthur Juers From Freeport, NY on May 02, 2012
by Alexia Courtney From West Chester, PA on April 16, 2012
by Anonymous From Crosby, TX on April 03, 2012
They say they are here to help but I can not get any help
by Michael Sandven From New Port Richey, FL on March 01, 2012
by Patti Rankel From Vincentown, NJ on February 28, 2012
by Anonymous From Columbus, OH on February 13, 2012
by Norma Leonard From Pike Road, AL on February 11, 2012
I call them every week to tell them I am trying all they say is that they have sent me a letter that states that I have to pay $2000 before February 17. I paid $1000 but cannot pay the rest. Now they are saying they are going to inspect the house. I want to get my personal items and furniture out of this house and give it back to the back
by Anonymous From Cleveland, OH on February 07, 2012
Very hard to get any answers or to speak to your approved person. Sometimes give you different answers depending on who you talk to
by Damian lewis From Atlanta, GA on February 06, 2012
by james connelly From McGraw, NY on January 31, 2012
by Anonymous From Santa Clarita, CA on January 23, 2012
No phone calls back getting the runaround. Now telling me something different than I was told 2 weeks ago.
by Anonymous From Trinity, NC on January 17, 2012
they have been very lenient with me and I hope to work things out to where I can sell the home and not have a foreclosure. I am really trying to do the right thing but will let the home go if they do not want to work with me.
by Matt Dills From Trinity, NC on January 14, 2012
by Ryan Butchart From Lancaster, CA on January 03, 2012
by Anonymous From Douglasville, GA on December 24, 2011
submitted forms needed to for possible postponement for foreclosure,no phone calls ,just received letter from lawyers stating process of eviction of my home of 8 years.
by Anonymous From Trinity, NC on December 13, 2011
They scheduled returned calls and then would not call. Submitted all requested papers TWICE and cannot get a return call.
by James Beatty From Amanda, OH on December 02, 2011
by Anonymous From Neosho, MO on December 01, 2011
i did all i could,i would contact my case worker and after i was denied for help i could no longer get a hold of her. it seems like she was avoiding me and when u would talk to a different agent that does the same job as her they were rude.
by Jesse Ryan From Anaconda, MT on November 28, 2011
by casey turner From Willis, TX on November 19, 2011
by Anonymous From Bozeman, MT on November 18, 2011
by Anonymous From Catlettsburg, KY on November 16, 2011
by Anonymous From Havelock, NC on November 08, 2011
has done nothing to help me or offer me help
by Anonymous From Rifle, CO on November 03, 2011
by Cynthia From Lexington, SC on November 01, 2011
I was not behind in loan payments. I became unemployed after working since the age of 16. I applied for a HOME AFFORDABLE MODIFICATION PROGRAM through Citi Mortgage in 2009. In August. 2009, I was instructed to lower my payments. In Oct of 2010, with no notification at all, I received a foreclosure notice. I sent $3.700 to Citi in order to stop the foreclosure procedures. Now Citi has stopped the loan modification process and I am told that I owe the attorney fees. I asked that they be waived and Citi said I would have to talk to the foreclosure attorney. The attorney told me they had already been paid so Citi could waive the fees if they wanted to do so. In my opinion what Citi Mortgage has done is thievery there. Freddie Mac owns her loan but when I talked to them they only referred me back to Citi Mortgage. I can't tell you how many persons I have talked to at Citi Mortgage and how many different stories I have been told. I attach the online message in my account dated 10/21/10 which states…We received your complete modification documents. Continue to make future payments as directed. I am working any kind of job to survive. Unless my payments can be lowered, I doubt I can continue to make payments. A lowering of my interest rate would help keep me in my home and Citi Mortgage would at least have that income. My home could not be sold today for what I owe on it. What Citi Mortgage has done is outright thievery.
by Sara Cook From Monroe, GA on October 31, 2011
I was told by Citi Mortgage that they could help me. They told me not too worry if I got turned down they would offer me other options. Then I sent all documents 4 times from march through October. They kept assigning me different counselors. Every time I called they did not know what was going on. I had one counselor tell me twice that she dropped the ball and I have to send everything back in and start from the beginning. I was turned down and now they have offered me nothing but come up with all the money or lose the house.
by ellen potts From Marietta, GA on October 21, 2011
one hand doesn't know what the other hand is doing
by Sonya Balser From Lexington, VA on October 06, 2011
by frank allan codalata From Indianapolis, IN on September 26, 2011
they told me on the phone i qualified quickly took my money strung me along for 3 weeks then said i didn't make enough money in 2009 i own 3 homes free and clear and bought one through them huh wheres the bail out money the final slap in the face was they sent me a credit card with a 2000 limit no thanks i will pass on word of mouth you are to do honest business with.
by Jennifer Cannon From San Antonio, TX on September 24, 2011
by Dieya Basunu From Charlotte, NC on September 22, 2011
The worst one
by CarrieM From West Bend, WI on September 07, 2011
We called Citi 7/2009 to discuss other options for escrow. We prepay a year, we pay taxes and insurance when do, etc. We were told it was a state law that we had to escrow. (untrue, but did not know at the time) My husband was going to be getting a pay cut so we were trying to be proactive, (we were and always have been at this point current on our mortgage) Citi told us that what we wanted was a loan modification and they would put us in that and that was the help we were looking for (sure, right) Of course, I had no idea what Pandora's box we had just opened. (no other options were ever presented or discussed with us. May of 2010 we were denied HAMP. BUT, we were told that was good news, we were actually back to Citi for a traditional modification. Again, no other options were mentioned or discussed with us. The next month we get a letter to call and make arrangements before foreclosure would start. Of course I called hysterical and was told as long as I was making monthly payments and in the modification process, Citi would not foreclose (ha ha). August 2010, Citi mysteriously loses my automatic monthly payment information, does not take my August payment and files foreclosure. We get served papers and file an answer. 2 weeks later we get offered a modification, my attorney calls their litigation department, and their local attorney (calls were not returned). Modification offer gets closed. (WHAT!) Another court date is scheduled for foreclosure. I finally got the contact in the ERU dept. Executive Response Unit at Citi and they rush and we get approved for another modification (But worse terms, only lowers interest .6% instead of 2% like previous offer (all income and bills were the same) we sign offer to get foreclosure case dismissed. After 4 months of on time payments with the modification, we get a letter from Freddie Mac that they do not approve of the modification because of our credit (What!) and a letter from Citi to call to workout arrangements instead of foreclose (short sale, etc) So confused and no idea what is going to happen next. Just when you think everything is going to work out and you can breathe, it all comes crashing down again. Well, yes, after 2 years of lies, and the run around from Citi, our credit is ruined. (The only payment we did not make are when we called 7/2009 and they told us to make our 1st trial payment in 2 months, I even asked about the missing 2 months and was told they weren't needed. Then August 2010 when they didn't take our automatic payment. This is what they filed foreclosure on. (All while I was talking to them 2 - 3 times every week!) After reviewing a ton of blogs and sites today, I will be writing my story and sending it to anyone that will listen, OCC, State representatives, Washington DC representatives, news stations, all blog attorneys in EVERY state, etc, etc!!
by Anonymous From Desoto, TX on August 27, 2011
by Anonymous From Swartz Creek, MI on August 13, 2011
We have been trying for 7 months and all we have gotten is the run around and lies. This was with us calling 2-3 times a week, each time talking to someone different and getting a different story each time.
by carline giorgianni From Miami Beach, FL on August 10, 2011
Hello, I hope you can help us because my husband and I send this email to citi mortgage 3 days ago and no one answered. this is the email. We were late on our mortgage in Jan. 2011 by two months but we made one payment. City Bank told us as long as we were not more than two months late they would not proceed with any kind of foreclosure process. Their rule is that if you are three months or more late, they will start the foreclosure process. They never applied our payment. They put it into a reserve account and held it without telling us, then they started the foreclosure process. We had no idea this was happening until they informed us that they would be starting the foreclosure process. After talking to countless representatives from Citi Bank, we were then transferred to a foreclosure rep. by the name of Christi who told us we would need to pay lawyer fees and many extra delinquency fees. She said they would be sending our payment back to us and going forward with the foreclosure even though we told her we could then catch up with all the payments that may be due. Because they never applied our payment they were telling us that we were three months behind and that is why they would be foreclosing, but this was their mistake because we were two months behind and willing to catch up with all payments at that point. We then made a signed agreement with Citi Bank to make good on all past payments including the lawyer fees and extras the 25th of every month. We now just found out that they had set us up with the wrong payment date - it should have been the 15th of every month because our loan is a Fannie Mae and that is how it works. This again was their mistake and they admitted it, but now they are trying to start the foreclosure process again, on us with all the same lawyers fess and extras they just charged us with four months ago. Let me make it clear that we are not behind on any of our payments to date according to the signed agreement we have with them. We cannot believe how Citi Citi Bank Mortgage treats their customers! We have been with them for many years and have always stayed current with our loan, which we are now very up to date with all payments. We really do not know how they are allowed to penalize customers for their errors and we hope something is done about this in the future. We should be given back ALL of the lawyer fees and delinquency fees that we were charged with because we were never beyond their threshold of being two months behind on our mortgage. They made it very clear that as long as a customer is TWO months or less behind on a mortgage, NO foreclosure proceedings would be started. We were only two months behind so they should have NEVER started any foreclosure on us. We are not looking for anything extra in this but to only be given back what we should have never been charged.
by Anonymous From Dallas, TX on August 08, 2011
by Anonymous From Garden Grove, IA on August 06, 2011
they ask for more papers and more papers knowing full well its just to discourage you from completing the mortgage modification,asking for signatures and birth dates of my children,really? do they need to know what color undies I'm wearing,or what church i go to or what political party i am? for pete's sake just help us out of this mess, at least we are attempting to get out of the rut we are in
by Danielle long From Richmond, VA on August 05, 2011
by Allie Moss From Garland, TX on June 30, 2011
They do call,but they are slow to process anything.
by Anonymous From Berwyn, IL on June 30, 2011
Constantly asked for help, they refuse
by Eugene Wang From Glassboro, NJ on June 16, 2011
by Terry From Scottsdale, AZ on June 12, 2011
This is organized crime next generation. These people need to be held accountable for quantum fraud.
by Jonah Como From Shelton, CT on June 10, 2011
They were impossible to deal with.
by Nicole Sartor From Texarkana, TX on June 07, 2011
Had worked out plans before and was stated to wait three months before I could be helped (behind in payment that is)upon this ran into much trouble.
by Anonymous From Grand Junction, CO on May 26, 2011
by Lisa Gee From Blanchard, OK on May 15, 2011
My husband and I have been with Citi Mortgage was Citi Finance since 2000. I have never in all my years had as much trouble with a company as I have these people. I have tried since 2005 to get ahold of someone in authority that can do something besides pass the buck or bullshit me. My husband and I had to file a Chapter 13 due to medical bills mounting, we could have filed a Chapter 7 but chose to do a 13 instead and we paid on it for 5 years in fact we paid it off early. When we notified Citi that we would be taking over the payments you would have thought I was asking them to make my payments. It took me 6 mos to get them to send me statements and to reflect the payments being made on them. I then noticed shortly after that that they had charged me sever fees while we were on bankruptcy without partitioning the court. I called and told them that was illegal and to take that off and after a very Lengthy time they took off some off but then turned around and put more charges on claiming they had to send someone out to inspect the property??? We were not in foreclosure and we were current in payments. In fact I get charge late fees for being late and I had not been late since we took over the payments the took another fight to get off. They took it off and made some excuse as to why that was on my account. Meanwhile the other battle was still going they have investigated my account several times, I have sent time several letters, faxes, calls, left several voice mails, my bankruptcy attorney called, and no hope! we even sent h Citi Mortgage's attorney here in Oklahoma a letter and no response! Who do I need to call to get this cleared up!!! I want to refinanace my house with someone else that is reputable and never ever have anything to do with Citi Mortgage again! They are a bunch of liars, thieves, and a disgrace to the industry! I have the file to prove it!
by Anonymous From Osceola Mills, PA on May 12, 2011
by james tomlin From Dalzell, SC on May 10, 2011
In the past Citi really came through for us to save our home.
by Anonymous From Dillon, MT on May 07, 2011
I can't get any info from them; they lie to me & hang up on me when I try to get info from them. Their payment statement says one thing and they claim another so you never know where you stand with them.
by Teresa Croson From Front Royal, VA on May 03, 2011
I have send all documents required to both mortgage, and lawyer that handles Citi Mortgage, just need a little help getting caught up with arrears, in help would be greatly appreciate.
by Chastua From Mount Dora, FL on May 02, 2011
they have kept my FICO artificially low so I can't refinance with anyone else. Meanwhile they are loading me up with bogus fees and late charges when I'm not late. Biggest bunch of thieves I've ever had to deal with.
by PRISCILLA HOLMES From Pulaski, VA on April 29, 2011
by Anonymous From Coweta, OK on April 27, 2011
In February, I got sick. The increase in bills made it difficult to pay my mortgage and I got behind. On April 16th I paid Citi Mortgage online $2,748.48 witch was payment in full for February., March, and Aprils mortgage payments. I received e-mail confirmation of payment On April 19th Citi Mortgage turned my account over to an attorney for foreclosure. I received a letter today informing me that I am in foreclosure even though I am paid current. When I called Citi Mortgage I was told that there was nothing the agent could do. That I was responsible for attorney fees and that the only options I had were "payback" plans, even though, I am paid current and do not owe any outstanding mortgage payment. In order to reinstate my mortgage, the agent took some information from me that will be forwarded to the foreclosure department. I was told that within 15 to 30 days I would be contacted with a new payment that would include a portion of the attorney fees until those are paid off and then my payment will return to the same amount as before. By the time I am contacted I will owe another mortgage payment, possibly 2, and the Citi Mortgage agent advised me not to make those payments until I had spoken to the foreclosure department. I am being billed attorneys fees for a foreclosure that even though I do not currently owe a mortgage payment.
by jlenhart From Tulsa, OK on April 25, 2011
There is a special place in hell for Citi mortgage.
by DOUGLAS MERRILL From Wilmette, IL on April 20, 2011
We got 1 month behind. We called Citi Mortgage. They put us on a load mod for what they said would be 3 months at a reduced rate. After 12 months they removed us from the mod program but DID NOT TELL us. After 15 months we found out we had been rejected and by then all of the shortages had accumulated into a huge balloon payment. We hired an attorney to no avail. If we had never talked to Citi Mortgage we would not be in the foreclosure process. They lied to us and purposely tried to financially destroy us. I have read this exact story in the Wall Street Journal and the New York Times. It's not an accident. They are predators.
by william taylor From Ocean Isle Beach, NC on April 14, 2011
by Ralph Mallad From Silver Creek, GA on April 13, 2011
by Anonymous From Claxton, GA on March 21, 2011
by Ray Rasmussen From Columbia, SC on March 13, 2011
by Anonymous From Covington, GA on February 23, 2011
by gwendolyn gardner From Kansas City, MO on February 19, 2011
submitted paper work for short sale and had a buyer for the property and Citi Mortgage foreclosed any way saying my paper work was not filed on time and we the realtor has confirmation and emails that say different they will not return our calls now I am getting an attorney.
by Anonymous From Rockmart, GA on February 18, 2011
by Delbert Davenport From Albuquerque, NM on February 18, 2011
We had to resend paperwork a number of times before they would tell us anything, and when they finally acknowledged us (my sister and I inherited the property) they said there was nothing they could do to help us because we were not the original owners of the property.
by Anonymous From Glassboro, NJ on February 09, 2011
by Matt Therrien From Bristol, NH on February 08, 2011
by Antwanette Sconiers From Moreno Valley, CA on February 08, 2011
Because before the day was up they moved it to the foreclosure department.
by Anonymous From Panama City, FL on February 07, 2011
by jackie mcmillan From Fayetteville, NC on February 02, 2011
by MICHELE CLAFFEY From Norwood, NY on January 31, 2011
I really do not have a complaint they have been really good its just now my husband and I are back to good health and back working full time and can not come up with this big down payment but do not want to lose our home.
by christopher tassi From Weare, NH on January 28, 2011
by Garland Quinn From Flower Mound, TX on January 27, 2011
by Lorraine Hall From Richmond, VA on January 20, 2011
by Judy Burton From Clover, SC on January 12, 2011
You just cant get the same answer from each person that calls or you get to talk when you return calls. Christopher the person that has handled our hardship will not tell you anything that would help us but just the generic questions,,you would think that they would tell you all they can if it is true that they really want you to stay in your home. We are now able to get back on track but need to know if they will accept the payments ,,one says they will not accept the payments and the web site says to continue to pay your mortgage?? so many mixed signals from one company?? We have told them time after time we want to save our home and have sent all information they requested ..WE'll SEE????
by Anonymous From Rhome, TX on January 11, 2011
by Tracy Leath From Point Clear, AL on January 10, 2011
once we told them that we had been mortgage fraud they did nothing to help us they have only been concerned with taking our home from us the devil is a liar we have been dealing with this since 2007 with just us and the lord and I know he didn't bring us this far to lose God made a promise to us and I know he will keep it man may not but God will. Thank you in advance Tracy Leath
by David Hadaway From Huxley, IA on January 08, 2011
by Michael Howard From Hazel Green, AL on January 07, 2011
I have tried for the last 3 months to apply for a hardship program. They told me I needed to send more information. I sent it but they always claim they needed more and kept me dangling hook until the last minute.
by Larry Flanagan From Spokane, WA on January 07, 2011
Just feel like they really don't understand the job market is not easy right now and we just need time to sell our antiques to get current and again people don't have allot of money for spending therefore takes longer to come up with.
by Brandon Frye From Pflugerville, TX on December 26, 2010
by Michael Kowalczyk From Angus, TX on December 18, 2010
Have not received my monthly statements on a regular basis...for several past years. I repeated called to confirm my address, yet the problem persisted. Obviously some sort of system problem. Also, the account reps are not very helpful with this foreclosure situation. They offer no usable advice, except to refer me to another dept or agency. I don't feel like a customer...more like a helpless victim.
by Jessica From Acworth, GA on December 17, 2010
1) We received two letters from Citi- both dated 12/2/10. One said we owed one amount, the other said we owed a totally different amount. 2) On 10/19 we were declined for homeowner assistance because according to them we were current on our payments. But on 11/17 less than one month later we received another letter stating we were two months delinquent. 3) Two days ago we got another letter stating that we have been in default since- get this- November of 2008!! Two years! I have talked to a Citi rep in a least four different states in the last month and no two have them same story about my account.
by Anonymous From Denham Springs, LA on December 06, 2010
by lianna rodriguez From Crestline, CA on December 06, 2010
by Anonymous From Taos, NM on December 04, 2010
look forward to talking to you of my needs thank you
by GORDON A. COYIER JR. From Youngstown, OH on December 01, 2010
by Shannon Wright From Mountain City, TN on December 01, 2010
They have been giving me the run around for weeks, every person I talked to told me something different, that my modification was being worked on or that I was supposed to talk to one certain person but that person would never call me back. It has been a nightmare working with them, never getting straight answers.
by Anonymous From Bellefonte, PA on November 15, 2010
by bernard denommee From Tyngsboro, MA on November 15, 2010
by kevin stiles From Elkhart, IN on November 14, 2010
just feel like i have been bullied and not helped by any means. got all my paperwork around and sent to them for review and 2 weeks later get a letter stating we are in foreclosure and sheriff sale in dec . feel like been lied to and misinformed
by IRRATEinTX From Round Rock, TX on November 11, 2010
Foreclosed our home even though we had installment plan. They said Oops, look like we dropped the ball. Now we're taking them to court! They are absolute liars! The right doesn't know what the left hand is doing.....
by Joi Jones From Mountain Lakes, NJ on November 11, 2010
by benny garcia From Helena, AL on November 08, 2010
by pete kirby From Fulks Run, VA on November 04, 2010
by Anonymous From Tucson, AZ on November 04, 2010
too many cooks, miss information, and bad communication. for example check the website for your status, then you call and say it stills says I am in modification review, and they say oh, the web site is never current... WE start foreclosure as soon as you enter the modification processes. A different set of directions and information each day aI call
by Christy Phillips From Knoxville, TN on October 31, 2010
They are horrible liars!
by Bernita Myles From Douglasville, GA on October 25, 2010
Citi Mortgage miscalculated my escrow on my fixed rate 30 year loan & increased my monthly payment by $200 a month 2 years in and I've struggled to make my payments ever since because it's not the payment I signed for at closing. They are rude and unreasonable when you are trying to make workable solutions. They don't follow up promptly and charge you high fees and Down payments then mishandle your loan with no explanation, there's no accountability on their part. You're at their mercy and they take advantage of that fact.
by George Bearden From Moody, AL on October 22, 2010
second mortgage dept are butt holes
by wendy gentry From Glen Burnie, MD on October 21, 2010
by James Therrell From Mount Pleasant, MI on October 20, 2010
by Cynthia O'Brien From Circleville, NY on October 20, 2010
by Christal Lomax From Horn Lake, MS on October 20, 2010
Long Story to tell.... but stick with your local credit union if possible
by Anonymous From Humboldt, IA on October 18, 2010
Can never remember our names and bad customer service.
by Anonymous From Federalsburg, MD on October 12, 2010
They are fine unless you have unforeseen financial problems then forget them working with you. Expect lies when you submit all the paperwork they ask for. Don't fall behind or you will be out of your house.
by Anonymous From Little Rock, AR on October 07, 2010
Horrible customer service and very inconsiderate to their customers
by Anonymous From Cleveland, OH on October 04, 2010
by Anonymous From Spring, TX on September 25, 2010
We have tried to get an answer for Loan Modification but we keep talking to numerous representatives and none can give us a solid answer or help. We keep getting letter form their attorneys stating foreclosure is in process. Our sale date is 11/02/2010. We want to keep our home. We were told we did not qualify for the Obama Loan Modification Loan but, no details were given. Everyone we were able to talk to, said they did could not provide us with answers. We have been told that they are now considering the Traditional Loan Modification method but no details are provided. There is no one specific representative to talk to. We have been waiting for help or an answer for more than 6 months. I pray to God the Father that we find an answer to keep our home. FAA
by Michael Halbert From Atlanta, GA on September 22, 2010
by Joyce Lewis From Sunshine, LA on September 21, 2010
by David Raczynski From Lombard, IL on September 17, 2010
Big business only, don't care about hard-working loyal customers with great payment history.
by Zipper From Melrose Park, IL on September 15, 2010
They are the worst. They took out taxpayer bailout money, but don't want to help us.
by Anonymous From Chicago, IL on September 09, 2010
by Anonymous From Rockingham, NC on September 08, 2010
by Shirleen Kistner From Lambertville, MI on September 08, 2010
Nobody would help us because we were in the foreclosure process.
by jennifer jones From Shreveport, LA on September 07, 2010
I can never get anyone on the phone that can make any decisions. It is awful. I have been told for weeks that I could get a modification and then I called in today and the sale of my house is tomorrow!!! My agent is out of town for two weeks and no one else could handle my case. So they have screwed me and my family!!!
by Anonymous From Bedford, NH on September 02, 2010
You can never talk to anyone other then the worker bees. They cannot change any of the offerings. Either you play ball or Citi will do nasty things to you with the bat. They do not care about anyone but themselves. We loan them TARP money and it has made them bolder. We have been with Citi for 22 years and were never late until this past April.
by Christopher Tovar From Cumming, GA on September 02, 2010
This began when they took 2 payments out of our account and only 1 was authorized. Took them 3 months to refund this money but screwed our account up big time! They promised to pay back NSF fees same time as the house payment refund, but 5 months later and they still have not refunded. We get a different story every time we call and have been told numerous times that it will be deposited within 72 hrs, but never happens. Sometimes they claim the bank statement was received but most of the times they claim they have never received it. We have sent this in 12 times and 1 time by certified mail. We need this money to get the house payment to current. Its about $1050.00 in NSF fees. Now facing foreclosure.
by Jorge Gutierrez From San Diego, CA on August 28, 2010
by JOan From Middletown, NJ on August 26, 2010
The WORST company I ever dealt with. One dept doesn't know what the other is doing. We're in foreclosure...we're not in foreclosure...we have a lon modification, we don't, the loan is ours, the loan was sold...Get it together. We actually signed the papers for a HAM loan in February but continued to get foreclosure notices so after literally 30 phone calls one Citi employee finally told us the loan was sold to Wells Fargo and they did not accept the terms. They are still trying to figure this out and we still receive several collection calls a day and notices posted on our front door. My husband worked for LEhman Brothers (another nightmare) so our portion is not of our choosing. They couldn't' care less. HORRIBLE
by Lorenzo Bradix From Atlanta, GA on August 22, 2010
by Gary Pollock From Springfield, OH on August 21, 2010
by Anonymous From Alexandria, IN on August 16, 2010
I tried several times to do programs with Citi Mortgage only to have them say I no longer qualified then turn around and say I received that letter in error. I tried this 3 different times. The thing is I have to use my income due to my husband losing his job and only doing odd jobs. My name is on the title! This was not a problem to start with and now that they want to take my home, they want proof of his income.... I can not get this he gets paid in cash and check when he can work! I think they should have gotten the paperwork right to start with taken my third payment and then I was supposed to be in the program, I feel I have been taken for a ride. True, I have not paid payments but what am I to pay with all the different info from different people there. They have said they are moving forward and plan to get my home.
by Anonymous From Atwater, CA on August 16, 2010
by Anonymous From Lansing, MI on August 13, 2010
by Maria Banda From Saginaw, MI on August 12, 2010
by pam orellanes From Yukon, OK on August 02, 2010
by Anonymous From Raleigh, NC on July 27, 2010
by Anonymous From Farmersburg, IN on July 26, 2010
I have been trying for over a year to work with this company and they refuse to comply. Also I feel That I was talked into the second mortgage and using my home as collateral instead of my automobile like I originally wanted to by Citi Financial.
by Anonymous From Little Rock, AR on July 26, 2010
The representatives we spoke to lied to us about being able to refinance our 2nd mortgage with them and they stopped sending us statements and now they say we are 6 months behind because we stopped paying thinking they were doing paperwork to re-finance our loan. They did not take into account that my husband is unemployed and was the main source of household income. My income alone will not make the mortgage payment on top of the other bills we have. We were forced to file bankruptcy and still Citi Mortgage would not work with us.
by Cindy Scott From Spring Run, PA on July 26, 2010
by Glenn Mettrock From Burlington, NJ on July 24, 2010
While they had been helpful they seem to not be taking into account our other financial debts that effect the amount we can pay on a monthly mortgage. I take home $1530 every 2 weeks and the best they offered was $1650 a month. On 1 income I have 2 car loans, auto insurance, utilities, food, medicine bills and a few more.
by Anonymous From Anniston, AL on July 23, 2010
by Antwonne Ward From Pinson, AL on July 23, 2010
by EARL WILKERSON From Newport News, VA on July 22, 2010
by birdman of alcatraz From Warwick, NY on July 19, 2010
LETS CLASS ACTION SUE THEM BACK. I HAVE THE GOODS ON THEM ALL REPRESENTATION IS FALSE.
by Lisa Stoops From Brookline Station, MO on July 14, 2010
by Necko From Arlington Heights, IL on July 13, 2010
Mr. Obama i hope you are reading this! Yes we can get screwed by CITI! Crooks! They will do anything they can to screw poor hard working Americans! Thank you for using our tax money to bail out the fat behinds in CITI and poor people got kicked out on street!
by Kyana Roberts From Chicago, IL on July 13, 2010
they was good and try to work with me however the information they wanted me to get I just got i was told it's to late, but I had to wake on the court in another state, it was out of my hands, but now i'm losing my home for something i had no say. I still rate them as good because the people seem to care that it happen to me.
by Lori Stout From Richmond Hill, GA on July 13, 2010
by Janet Andres From Kansas City, MO on July 12, 2010
by Anonymous From Greenfield, IN on July 11, 2010
by Anonymous From Bethesda, OH on July 09, 2010
your sent from 1 department to another, no one seems to know what's going on with your account, they set you up with a company for modification and you pay them a couple thousand dollars which could have gone towards your missed monthly payments and then your back to where you started from months later, farther behind,modification company tells you not to pay on 2nd mortgage they will contact them, turns out 2nd mortgage company wouldn't return their calls or deal with them now your behind with them also.
by R Cruz From Edinburg, TX on July 08, 2010
They have jerk us around to the point of not being able to understand where our money has been going for the last 4 years. Apparently 3 years ago our payment went from $769 to $1800 and weren't advise of the increase causing us to now be 11 months behind according to them.
by Garry Celum From El Paso, TX on July 06, 2010
by Anonymous From Hillsborough, NC on July 05, 2010
call several times a day and once stated they need a payment by june 15th and they were not responsible for my wives death also when calling continue to ask for my wife even after they were told she passed also spoke to my 16 year old daughter
by Anonymous From El Paso, TX on July 02, 2010
by Angela Sonderegger From Union Star, MO on June 30, 2010
by Anonymous From Clermont, FL on June 24, 2010
by Anonymous From Greensboro, NC on June 22, 2010
by Anonymous From Tampa, FL on June 22, 2010
I have been trying to work with Citi Mortgage for weeks regarding this matter and it seems everyone I talk to gives me another story. I call constantly and get no where but in the same confused spot I was in before. They are not willing to help me in the least.
by Sharon Massaro From Anza, CA on June 20, 2010
I have received a notice of foreclosure which an attachment that states they spoke to me on 3/30/10. Additionally, they state I have not spoken with them also not true.
by Anon From Tacoma, WA on June 17, 2010
They placed us in a forbearance plan without any written agreement, have now place a default/sale date. OMG, who can help?!
by Anonymous From Richmond, VA on June 16, 2010
by Anonymous From Salt Lake City, UT on June 11, 2010
Don't assume just because Citi Mortgage merged with ABN Ambro Mortgage Group, inc. that Citi actually owns your loan. After a long struggle including filing a lawsuit against them. I have been able to determine that 99% of what was transferred to Citi Mortgage by merger with ABN was only servicing rights for loans that were originated and then immediately sold to other affiliates of ABN such as LaSalle Bank. Citi is does not even have the necessary authority to foreclose on those loans as the majority of states require the actual holder of the note to foreclose.
by Anonymous From Bardstown, KY on June 09, 2010
Complete run around and given bad advice which led to foreclosure.
by LEONA DAVIDS From Corry, PA on June 07, 2010
by Liz From Saint Peters, MO on June 07, 2010
Horrible Horrible, it's a long story and I just don't know where to start from. I am still trying to sort out the mess they have put me through. I tried the government modification program which never went through even after sending all the documents to them 4 times. The reason that was given was I never submitted all the documents! This is not right and someone out there knows what he or she is doing. I did my part by calling them all the time and was told that the underwriters are looking into my account. Only a rude shock was awaiting after I started receiving collection calls. Remember I had never been late on my payments. Right now I have been offered alternate mortgage payment plan through the lender or whoever they are called (Fannie Mae). Their operation is just not understandable of which I am not trying do here but how can you call the same number three different days with 3 different answers? I called on Friday June 4th Spoke with Candice 1-800-283-7918 after I had received a voice mail from citimortgage stating it was important I call them. She stated that my alternate payment had been approved and I should now be paying 1029.82 instead of 1438.45. I was happy and thereafter I received text message as well as an email detailing the confirmation. On Saturday June 5th my husband found a note on the door both in english and Spanish stating that we should call 1-866-940-5787 he spoke to gentleman who did not have any clue of what he was doing and the agent stated that we should be paying the original amount of 1438.35. Today June 7th I spoke to Jim on 1-800-283-7918 who again did not know anything that I was talking about. Instead, he started gathering information from me even after I had explained my ordeal with them. I became frustrated and disconnected the call since he was not offering any insight to my questions of problems with Citi Mortgage. As of now I have been left wondering if Citi Mortgage is operating under different companies in the name of Citi.... They have thrown me off a cliff and picked me up with a forklift. Somebody please help us.
by Peggy Masters From Longview, WA on June 07, 2010
by andrew trzeciak From Kansas City, MO on June 04, 2010
by OneAngryCustomer From Randolph, MA on June 04, 2010
My wife, my son and I suffer the blow from the unprofessional folks over at Citi mortgage, we did all the paper work for the modification ,Citi provided no help or information on helping us ...they are very unresponsive and unwilling to help their customers, I would never recommend anyone to use Citi as their mortgage company , we did everything which was required for the paperwork, until it came down to the wire for our House to be auctioned off. We now have to be scrambling to get our lives in order because of a terrible mortgage company like Citi Mortgage. btw/ what happen to the bailout monies they received from the government??? does anyone know?? OneAngryGuy
by sandra covell From Kansas City, MO on June 03, 2010
Hey Eddy Lindsay, Citi Employee. Your an idiot! You can tell you work for Citi because you can't even spell mortgage, Citi sucks
by Darren Paige From Williamston, MI on June 03, 2010
All of the same stuff above. I wish I could afford legal matters. This has been going on for 7 Months and still not over. The customer service is by far the worst I have ever seen. Good news for everyone there is pro bono attorneys working on this for everyone. They will be glad to talk with you
by Anonymous From San Antonio, TX on June 03, 2010
by louis frangiosa From Plymouth Meeting, PA on June 01, 2010
by KAREN PAUL From Warrenton, MO on May 30, 2010
EVERY PERSON YOU TALK TO THERE GIVES YOU A DIFFERENT ANSWER. SO YOU REALLY NEVER KNOW WHAT TO BELIEVE. THEN IT'S TO LATE. YOU SEND PAPERS THAN MONTHS LATER (WHEN IT'S TO LATE) THEY SAID THEY NEVER GOT THEM,I PAID EVERY MONTH ON THE PHONE AND NO-ONE SAID ANYTHING.
by Anonymous From Horn Lake, MS on May 23, 2010
by Anonymous From Renton, WA on May 20, 2010
Citi Mortgage cant provide Emails only call. Frustrate with calling sometime i talked over the phone then disconnect and i did over and over again. We are deaf customers. Email is more easy than call. please help me. Thank you, Karen Rhodes
by Stephen Ostrower From Rock Hill, SC on May 19, 2010
by Anonymous From Glen Burnie, MD on May 18, 2010
They tell you they will work with you and never send the proper paperwork or have the people come out like they tell you.
by Terri Davis From Harrisburg, NC on May 12, 2010
We tried getting a loan modification through them a few months ago, but were told that they could not do anything because our loan was in the bankruptcy department
by Anonymous From Lithonia, GA on May 11, 2010
by Angela Donner From Valrico, FL on May 07, 2010
by Anonymous From Elkhart, IN on May 07, 2010
by Anonymous From Blythewood, SC on May 06, 2010
by Anonymous From Saginaw, MI on May 06, 2010
by Anonymous From Willingboro, NJ on May 03, 2010
I HAVE BEEN MAKING MODIFICATION PAYMENTS TO CITI MORTGAGE FOR MAKING HOMES AFFORDABLE. AS OF TODAY IF I HAD NOT CALLED I WOULDN'T HAVE KNOWN I WAS DENIED FOR THE PROGRAM. NOW THEY WANT TO START Foreclosure PROCEEDINGS ON ME. PLEASE HELP ME SAVE MY HOME.
by jed shields From Fayette, MO on May 01, 2010
by Larry Tinsley From McKinney, TX on April 30, 2010
Citi Mortgage has passed my case file to many different loss specialists, resulting in duplication of paper work 4 different times. They promised DIL, and then a few days later said that the Mortgage Insurance Company would not pass on DIL unless I paid them an additional $10,000. cash contribution. I have been harassed numerous times each day for over 6 months by collections agents, even during the negotiation for DIL, over which Citi Group mitigation counselors said they had no control. I am fully disabled according to the Social Security Administration as ruled on by an administrative law judge, and my employer, the United Methodist Church, has informed me that they anticipate that I will continue to be disabled until I transition into the regular pension program when I reach age 65 in the year 2017. It was my original intention to buy the property for use as a retirement residence. However,I became disabled less than six months after buying the property, and have had to move 60 miles away to live in an apartment close to doctors' appointments and medical treatment. I suffer from panic attacks, anxiety disorder, bipolar, hypertension, diabetes, and a number of physical problems relating to arthritis. This continuing harassment on the part of Citi Mortgage and shifting my case to a variety of mitigation specialists has had a definitive negative effect on my health, and I need to bring conclusion to this matter as soon as possible. I do not understand why the Mortgage Insurance company would rather go to the considerable time and legal expenses to sue for foreclosure, when I have willingly offered and pleaded for a voluntary DIL which would save money and bring an expedited conclusion to the matter. Please help me convince the Mortgage company and the Mortgage Insurance Company as to the advantage of accepting the DIL instead of a long, bitterly drawn out foreclosure procedure. Thank you, Rev. Larry D. Tinsley
by Anonymous From Pine Mountain, GA on April 24, 2010
by donna willin From Mount Laurel, NJ on April 24, 2010
by david buckner From High Point, NC on April 21, 2010
by Anonymous From Albemarle, NC on April 21, 2010
by Anonymous From Long Beach, CA on April 19, 2010
by Chien Nguyen From Charlotte, NC on April 16, 2010
by Steven Natale From Bellingham, MA on April 15, 2010
impersonal, often unintelligible, misrepresented forbearance.., they've appreciated my humor...
by juanita cantu From San Antonio, TX on April 13, 2010
by sourivanh kingvilay From Providence, RI on April 08, 2010
by Heidi Brennan From West Sacramento, CA on April 06, 2010
Incredible company. Been trying for months to modify our loan. Submitted the docs to them on 4 different occasions and they insist they never get them, even after I faxed to them and have proof they got them. The collection department will call 4-5 times a day, but good luck trying to talk to someone about a modification.
by Mark Wretling From Abilene, KS on March 28, 2010
by Anonymous From Chicago, IL on March 26, 2010
Citi Mortgage is a Joke! I notified them in June of 2008 that my second property had been on the market for a year and was looking to see about doing a short sale because the price needed to be dropped because of the market conditions and having a second mortgage with them I was no longer able to make the payments. I mixed out my credit cards for the time period in trying to make the payments while it was on the market. Renting it out was not an option as it would still cause a big out of pocket expense and with my first child on the way I was not going to be able to work a second job anymore. Citi Mortgage reps said they could not do anything until I went 3 months without paying. After 3 months I spoke with their loss mitigation department Continued to get bounced around. I did get a an offer that would have been a short sale and there loss would have been minimum. Once again I was bounced around and no one could make a decision. I got a lawyer involved and they basically told him because it was an FHA loan it was at the bottom of their list because the would be getting government money so we could pay it all off or pound salt. It is finally going into foreclosure after 2 years of fighting with them and I hope that company falls off the face of the earth and goes belly up so no one else has to deal with them
by Anonymous From Wanatah, IN on March 25, 2010
by paul From Mays Landing, NJ on March 24, 2010
Pretty much same as the rest on here, been dealing with citi mortgage for over a year and still no MOD. I would love to sue them, but i'm broke. I guess citi mortgage is in the foreclosure business and not the mortgage business. I've done every thing they asked and still nothing.??????????
by marcia miles From Effingham, SC on March 23, 2010
by Reshawndra Hutchins From Jonesboro, GA on March 23, 2010
by t thornton From San Antonio, TX on March 21, 2010
by Valerie Fisher From Carson, CA on March 19, 2010
Wow! and I thought I was alone. First of all my message to John is," ignorance is bliss." I'm not trying to mean, but you must get the facts before you speak out on something as fragile as the livelihood of families in distress. You are so off base, an uneducated about this entire process. Look around at all of these web sites with the same issues. Here are two more to get you started." http://themortgageinsider.net/mortgage-reviews/citimortgage-review.html/comment-page-13/#comment-29332, and http://www.afscanhelp.com/companies/mortgage-companies/citi-mortgage.cfm. Mommy mentor has done nothing wrong. None of us has. We made an attempt to take advantage of the help that was offered to us. We are hard working people that take pride in our families, communities, and we are people of integrity. Before I began the process of a loan modification through Citi-bank, my fico scores for all three bureaus were 798, all three! I have owned a condo for 10 years, lived in it for 7 years and I have been leasing it out for the last three years, never late not one time. I have owned my home for 3 years, never late, not one time. Every credit card, every utility bill, any and every bill that I have, has always been paid on time, thus the high fico scores. Now here's my repulsive story in regards to Citimortgage and their horrible customer service and unethical practices. I will copy and paste my story because I am posting it everywhere that I can to anyone that will listen. Hopefully this will help prevent some unknowing family from going down this very destructive, stressful, unhealthy, road. I have been in the process of acquiring a loan mod for the last year. It finally closed, after much turmoil, but when I tell you it was a night-mare, Freddy Kruger has nothing on CitiMortgage. I have never been late on my mortgages not one time since there inceptions. I lost a large portion of my wages due to downsizing, and lost about $120,000 in equity depreciation in my home. I had to do everything I could to pay my mortgage on time, I used savings, credit cards, borrowed, whatever I had to do, but I have never been late. Before beginning this process I asked three different representatives if a modification would affect my credit. ( My fico scores were 798 for all three bureaus) I was told, no it won't affect your score, it will only show that you are in the process of a modification. The beginning of the process was so stressful that I found myself literally crying on the phone to one rep., because of the frustration from the stress of dealing with representatives that literally did not know what they were doing. "Unbelievable" All I could do was follow the instructions that they gave me and that's what I did to the letter. I was told I was approved, two weeks later I was told I wasn't approved, two weeks later I was told I was approved, and to begin making the trial period payment of $1,896.00. When I told this, I put much emphasis on the question regarding my credit. "Will this affect my credit score?" "No Ms. Fisher, it will only show that you are in the process of getting a home modification and that won't even be reported for at least three months." During the course of the modification, I was sent finalized paperwork after the trial period, with a payment of $1,235.00 PITI. I sign the documents, had them notarized and mailed them back. I called to ask a question and was congratulated on the closing of my modification, by a underwriter named Ryan, with the congratulations, he just happened to mention that my new payment was $1,786.00. I told him "no Ryan the final docs I signed, notarized and sent back, were for $1,235.00 PITI. (I hope you are sitting down John, Mr. we could of, should of, would've!) Ryan went on to tell me that they mailed me out the wrong documents. "Oops were so sorry" we will send out the correct final replacement docs @ $1,786.00mo for your signature right away." Was I in a nightmare, could this be real? YES it's real! Unbelievably real!!! The loan modification is finalized, but guesses what? It's finalized with one payment in arrears. ("But maybe I should have mailed two of my new payments in just in case Citibank made this mistake and needed time to fix this mess, right John?") They close out my account with the new balance, showing me one month in arrears. How in the world do you open an account. after a modification, where the entire loan was closed out to a (0) zero and still wrongly show a payment in arrears. But I hope you sat back down John, they have the nerve, audacity to report to my credit bureau that I have been 4 x 90 days late on Citibank mortgage. I am so mad, that even typing this, my blood pressure has to be sky high right now, because I feel so much pressure, my neck gets so tight it's hard to turn my head, I can just scream right now!, I need to walk away for minute. Ok, I'm back. I had AAA credit and no where on my credit report does it say anything about a loan modification. only that I have been 4 X 90 days late, which is a bald faced lie. When you call them, you can never speak to the same person twice. Anything that a supervisor or rep tells you they are going to do in your favor, like fixing their mess, you can forget it, because you will never hear from them again. I just called them yesterday to find out why they have note fixed this stupid mistake of theirs with showing me a month in arrears. They told me last week that it was because they had no record of my January 2010 payment. Asked me to do the research and send them the proof. I copied my Wells Fargo paid transaction page, faxed it to the number that was given, low and behold, the number was wrong. Spoke to a rep who said, yes that is the right number, not sure why it didn't work. She looked in the system and saw that the supervisor I spoke to also mailed a letter to my home with the instructions to mail the info to the self addressed address on the letter. The rep told me to wait until I received the letter and send in my proof that way, since she couldn't figure out why the fax number wasn't working. I mailed all of the info in the envelope provided, waited a week in a half, called to see if they received it and what was being done. Oh, they can't find it. Then this new rep gave me the same fax number that the other two had given me and told me to fax the info. (WOW) This is after being on the phone for 1 hour holding. Had to call back, spoke to another rep that said, "We see that you made your payment, but it wasn't posted to your account, I'm trying to find where the money was posted, she kept me on hold for 30 min, then the phone went dead. While all of this is happening they are surely still reporting false derogatory information to the credit bureaus. Today is 3/19/2010, I will not stop until this is rectified. You will surely see me when you look up, employees of Citibank. Remember Citibank is only the name of the Company; it's the people that work there, that is causing all of this distress. I am willing to do whatever needs to be done. I was already looking for the CEO's info, that's how I stumbled across this blog. I am going to send a letter, I am going to call, I am writing the President, and I am calling channel 2 news. Let me know if there is a site or document that anyone needs signed. If there is a news channel that needs people to come forth. I will even fly if I have to. This is wrong. I pray for all of the people that are sitting behind those desks and letting this happen, because you reap what you sow. believe that! People, we have to stop sitting by and letting things like this happen, we have the control and the power. I totally disagree with John when he said "there is nothing we can do." There is something we can do, if we are willing to put in the time. When the gas prices skyrocketed, we could have done something, not alone, but together. There were a lot of creative ways to drive the prices down, there still are. But we listen to people like John, who obviously have it all together, and plenty extra money in the bank. We could have only purchased gas from one of the Brands, and guess what. I bet the others would have come down on their prices, or would have gone out of business. (and you know they are not going to do that.) The greed and unfairness has gone too far. We are the ones with the power. We have to utilize it. But we don't want to be inconvenienced, so sit by and let it happen. Well I'm going to be inconvenienced. God bless you Mommy Mentor, and everyone else that has been affected. I truly believe that what the devil has meant for our harm, God will surely turn around and use for our good! Does anyone know how to post our names, email addresses and phone numbers so that we can get in touch with each other. It's not permissible to do that on the blogs?
by brian womack From Belmont, WI on March 15, 2010
by Anonymous From Rancho Cordova, CA on March 12, 2010
Every time I tried calling them to discuss things, they were very rude and very unhelpful. I didn't know what to do once I lost my job. They were no help at all. I had a payment waiver insurance added to my loan for if I became disabled or loss my job. When I tried to use it, they were confused and nobody knew what I was talking about even though I had it in writing that I had that insurance.
by elethia baskerville From Henderson, NC on March 10, 2010
by Anonymous From North Hollywood, CA on March 08, 2010
by thomas new From Livonia, MI on March 07, 2010
by samuel smith From Eureka, MO on March 03, 2010
they lied to us, gave us nothing in writing on our modification. they took the payments & said they were going towards the principal. were they went, i don't know. then they foreclose on us anyway. they are nothing but lying thieves.
by Michael Gonzales From Porter, TX on March 02, 2010
I have been talking with Citi Mortgage since Oct 2009 and each time we speak I am told something different, they do not keep proper records on our discussions and agreements and you can never track down who you spoke with..very confused and lost with their process
by Anonymous From Middletown, CT on March 02, 2010
Two weeks late on payment. Would not accept it.
by Anonymous From Rockwall, TX on March 02, 2010
This company sucks. They truly don't know what the heck they are doing. Every time I call I have to go through the same explanation that the loan is in my ex husband's name but I was awarded the property and have a Deed of Trust and a Deed of Loan Assumption. I also have a letter on file from my ex saying they have his permission to deal directly with me yet every time I call I have to go through the whole thing over again. I have been trying to get my property damage check for over a month and still don't have it. It took forever to just get the number for the right department. Every number I called would just give me a different number. Once I finally got somebody on the phone (after 42 minutes on hold) she wasn't able to talk to me because the "authorization letter" expired? WTFE. These people need to be reorganized. They waste millions of dollars on employees who don't know what the heck they are doing! I'm frustrated beyond belief and have a half torn apart house that the contractors won't finish because they haven't gotten a payment yet. UGGHHHH!!!!@
by Robbie Woods From Fort Worth, TX on February 28, 2010
Sometimes the connection is not clear when speaking with a specialist.
by Anonymous From Caldwell, ID on February 28, 2010
by Anonymous From Waxhaw, NC on February 26, 2010
by Anonymous From Columbus, IN on February 24, 2010
CitiMortgage, despite what they may say on-line or on the phone, is a nightmare. I submitted everything as requested for a simple refinance, all the while being reassured things were going smooth. Just before closing the loan Citi requested more of the same documents, at my expense, and when I tried to talk with a Rep to help me the call was disconnected. I dealt with so many people who didn't know their right from left and at times was spoken to with a harassing tone. There is one very professional lady with whom I dealt, and I feel sorry that she works there. They sure know how to make a mountain out of a molehill. PLEASE REMOVE BBB APPROVAL FROM CITI!
by Diane catalano From Saint Peters, MO on February 22, 2010
They are not just bad , they're terrible.
by Stephanie Talpas From Abbottstown, PA on February 22, 2010
by Anonymous From Omaha, NE on February 19, 2010
Yes, we missed a couple of payments due staff reductions at work. My husband and I both have full time positions as of 7/09. In 8/09 we agreed upon a forbearance with Citibank. We have been paying an extra $700 dollars a month to keep our home. This is very difficult, but Citi made us feel there was no other option. We have had approximately 10 Citi personnel we dealt with. Today we are called and told our forbearance has been deleted and we are in foreclosure risk. WHAT?No one knows at the company why or how this happened. HELP!I want a different mortgage company that is honest and stand behind their word and signed contracts!
by Anonymous From Brodnax, VA on February 18, 2010
by virginia muldoon From Cherryville, NC on February 18, 2010
by Jeffrey Simmons From Bradenton, FL on February 16, 2010
At times I have felt they haven't listened to me and my situation and other times have been good.
by shawn gardner From Fond Du Lac, WI on February 15, 2010
by Edwin Specht From Houston, DE on February 14, 2010
by Anonymous From Ocoee, FL on February 11, 2010
THE WORST I'VE EVER DEALT WITH!
by Anonymous From Warren, MI on February 11, 2010
For all all of you that's not getting help from citi go the the following website and file a complaint. I have been working with citi for approximately 2 years and no help so i filed a complaint.
by Anonymous From Snellville, GA on February 11, 2010
Citi Mortgage has been patient but very slow to respond with the workable solution packet. When we make scheduled arrearage payments they still call you repeatedly during the day.
by Edward Gibson From Alpharetta, GA on February 09, 2010
by Gertha Battle From Lima, OH on February 08, 2010
Poor service my loan has been bought out 6 times since I got it. I ask them to lower my interest rate from 11.2 % to a lower one due to the economy, I am married and my husband helps as much as he can due to previous obligations its a stretch. Help I don't want to lose my home.
by Anonymous From Austin, TX on February 08, 2010
Citi Mortgage is truly a nightmare to have any financing with. I have never been late on my mortgage payment. I usually make my payment around the 8th or 9th of the month and never past the 15th. They start calling on the 3 of the month if the payment has not been received and call every day until they get payment -- sometimes multiple times during a day even though the payment is still not late. I repeatedly tell them that the payment is set up to draft from my account on whichever day it is, but then they call again. I am working as hard as I can to get rid of Citi Mortgage and to never do business with them or any part of Citi Financial Group. Awful, awful harassing company!
by Natera Simon-Brown From Steubenville, OH on February 04, 2010
by Anonymous From Boone, IA on February 02, 2010
by matt rawls From Emporia, VA on February 01, 2010
by Anonymous From Huntsville, AL on February 01, 2010
OMG,..Citi Mortgage,DON`T EVEN KNOW WHERE TO START WITH THESE HIGHLY INSENSITIVE,CORRUPTED,DISHONEST,GREEDY,SELFISH,UNEDUCATED,CAN CARE LESS ABOUT CUSTOMERS HAVING ARE A HARD TIME,Unprofessional,SCAM ARTISTS,LYING BUNCH OF FOLKS... enough SAID
by Anonymous From Louisville, KY on January 28, 2010
I usually don't complain but I am not at all satisfied with them. I am 2 month's behind in payment's and I have called several times to try to work things out and ask what other means I could do to try and get back on feet. At this point I just want out and into an apartment where payment's can be cheaper and more affordable.
by Anonymous From Lattimore, NC on January 26, 2010
by TRAVIS WALKER From Toms River, NJ on January 25, 2010
CITI IS THE WORST
by Anonymous From Asbury Park, NJ on January 25, 2010
I lost my job in Jan I called them right away and asked for help, I was told not to pay them for 2 months and then I was able to be helped. That made ZERO sense. I was on a payment back for 6 months, in the meantime I filled out 5 home asst packages and NEVER once did anyone call me. I while was in the payment back program filed chapter 7 but still paid them every month on time. After the 6 months I took it upon myself to continue to pay them my normal amount. I just got a foreclosure letter. I like others have called them 100 times and get the round around and nothing. I have enough legal paper work and letters to them I could wallpaper a house. At this point I am letting my attorney handle it, I am done and tired of banging my head on the wall. I WILL NEVER EVER DO ANYTHING WITH CITI they suck.
by Patrick Smith From Fort Walton Beach, FL on January 25, 2010
I owe them money and would like the opportunity to make amends with them. I do hope to keep my home. It was not my plan for a family member to die and for me to cover the cost of the funeral. I did not want to loss my job but Unfortunately I did.
by Roberta Brooks From Roselle, IL on January 25, 2010
When I tried to refinance they would never return phone calls. three times they called for the same information I already sent them. Twice they said it was because it was because it couldn't be read. I know when I sent it,it was readable. After thirty days they called me and told me that the person I was working with was out on sick leave and now I need to send updated information. When I asked them why I wasn't notified earlier they said they were busy. I told them that the last call I got was someone telling me that they were doing a title search and everything else was good. And now your telling me I need more information and she said yes because the other information is over 30 days. I told them I would rather go somewhere else.
by Anonymous From New Orleans, LA on January 22, 2010
by terri murrell levy From Reno, NV on January 22, 2010
When i got my hours cut I called the bank to see if I could get the modification on my load they told me because I wasn't over 30 days late that I didn't qualify. I told them I was barely making it.
by Anonymous From Albuquerque, NM on January 20, 2010
I have a Settlement Agree,meant that I spent one year in Court litigating. The agreement has never been in compliance on their end. I have tried for six months and another court date that i had to file, yet they claim to be Proactive, not even with a court order. How many of these cases were litigated and Citi Mortgage failed to get their word. That's why they have problems, they do not follow guidelines.
by Katie Mullis From Kaneohe, HI on January 15, 2010
by Cynthia Holland From Wright City, MO on January 14, 2010
Very difficult to resolve issues. No one answers letters, emails or phone calls. They don't care about the needs of those with issues needing help.
by Larry Hostetler From Peyton, CO on January 13, 2010
They will not contact me again and were no help with me keeping the home. I do not think they want the house but that's my next option. Walk away.
by Anonymous From Glendale, AZ on January 13, 2010
This company does not seem to want to help its customers keep their homes. When i would call to check up on my account and if a loan modification was possible, they would just tell me to call back later, every 3 months they would request new information because the previous was out of date or missing altogether. They tried to pressure me into agreeing to a modification and gave me a 10 minutes to decide, "its yes or we forclose on you". I even had a rep REFUSE to give me information to help me list my home as a short sale. By far the worst experience I have ever had with any company, and i think their practices are borderline illegal (or should be)
by Anonymous From Clinton, AR on January 11, 2010
Called May 2009 requesting a loan modification, trying to get a lowered interest rate. Had never been late with a payment. Was told to pay a reduced amount for three months while my paperwork was being processed and to save back the extra in case a balloon payment was to be made. My August payment was credited on July 31st and instead of them counting it as the August. payment, they counted it as an extra payment. ON top of that, they said I did not qualify for a modification so I would have to pay the balloon AND the August payment--which I had already paid (August. amount) but they counted as just an extra payment in July for being ONE day early. I had no options but to go on a forbearance plan. Got a letter today stating that I had not met the terms and it was cancelled. I have ALWAYS paid on time. When I called, I was told that it was because of the escrow analysis...escrow was increased so they just cancelled the forbearance. I had received a letter a few months ago stating that b/c of escrow, the plan would be extended one month, not cancelled. The woman I spoke with on the phone today asked if I could pay $200 to do another forbearance. I balked--said why should I have to come up with extra money when it was their mistake. In the end, I got a new plan and should be caught up by July. Ticks me off...screwing up my credit when it was their mistake and lies to begin with that got me in this mess. I'm a single mom and barely make ends meet. I am just hoping that I get enough of a tax refund that I can pay off the forbearance amount and be done with this! Can't wait until my credit score recovers and I can switch to a different company. So sick of Citi!
by Anonymous From Georgetown, TX on January 11, 2010
I have been trying to work something out with them for over a year. Every time I called they said there was no record of me calling. I submitted several hardship packets and was told they were never received numerous times. Then a few weeks ago I got a notice from their law firm stating they would be auctioning it in 1 1/2 months.
by Kristienne Weeks From Atlanta, GA on January 10, 2010
I have been trying to sell my home for 2 years and I have been communicating with Citi Bank for the entire 2 years. Finally I took my home off the market in October of 2009 after the 2 years because obviously it was a stale listing! I filled out a hardship letter on Citi Bank website they never responded but then one day when I was paying my 2nd mortgage they lowered my loan $100 but then I got a notice in my door stating that the "relief" was over and that the payment would go back up to the 9% interest rate! Sick! I called Citi Bank and they said yep the lowered amount was over and I would have to pay the inflated amount in February 2010! I said I am still unemployed and I provide eldercare for my grandmother so I can't afford to carry the mortgage and how could I find a program to help me! She laughed and said well until you are delinquent there is nothing we can do! So They want me to tank my credit score before they will give me any relief! Then they will help me by reviewing my file and seeing what they can do! The power of fear! I have done more than what I should do! 9% they should be ashamed of themselves! But I won't allow Citi Bank to ruin my life or the rest of my grandmother's life because they feel like they have the power to. I am resolved to accept foreclosure but want to know what else short sale, deed in lieu? Citi is a fraud and criminal even after all of this has happened to the country they don't care if you are trying to be proactive, they want us to be completely broken and borderline checked out of this life while they sell our homes for what the bank really is out which is really about 1/2 of what they sold the property to owners to begin with. America! Banks still trying to defraud its people.
by raymond cline From Lakeland, FL on January 08, 2010
by Anonymous From Cochran, GA on January 05, 2010
As I stated earlier, I asked for assistance starting in June hen it was getting out of hand and all I have ever heard is my case is under review until I received the foreclosure notice.
by joseph jacques From Baltimore, MD on January 05, 2010
Not trying to work with me,I believe they're trying to take advantage of my situation because my pay off is low,Moreover,trying to steal my home. Great at giving the run a round I even e-mailed the white house and mention this to www.whitehouse.gov under contact us.
by Christina Smaby From Dundee, OR on January 05, 2010
by Will Peterson From Cedar Park, TX on December 28, 2009
When I called Citi. they originally did not tell me all the options. With every phone call I was given a different option. It was like getting the first 3 words of each sentence in a 30 page book. I wish I was given all the options with my first phone call. I wanted to save the home.
by Marco Hicks-Brown From Savannah, GA on December 28, 2009
by Anonymous From Harvey, LA on December 24, 2009
I HAVE CALLED FOR ASSISTANCE AND EACH TIME I CALL THERE IS A DIFFERENT PERSON ON THE PHONE WHICH CAUSES ME TO START EXPLAINING ALL OVER AGAIN ABOUT MY SITUATION. IN MY SITUATION, I FEEL THAT THEY WAITED TOO LONG TO INFORM ME THAT THEY COULDN'T HELP. IT'S ALMOST AS IF THEY WANTED TIME TO RUN OUT FOR ME. THERE WAS NO-ONE YOU COULD DIRECTLY CONTACT. WHOEVER YOU TALKED TOO HAD TO FORWARD THE INFORMATION TO SOMEONE ELSE WHICH SOMETIMES TOOK TWO TO THREE DAYS TOO GET AN ANSWER. I HAD TO KEEP CALLING EVERY OTHER DAY BECAUSE NO-ONE WAS CONTACTING ME WITH AN UPDATE.
by christine short From Pittsburgh, PA on December 24, 2009
i tried to negotiate with them before and they were not helpful. that was why i filed chapter 13. the house is in my deceased husbands name .
by ANGELITA WHITE From Corpus Christi, TX on December 23, 2009
by OHIO From Masury, OH on December 18, 2009
by Masury Ohio From Masury, OH on December 18, 2009
Citi Mortgage needs to be shut down , this company did nothing but lie to thier clients. I am in the same situation as everybody else that has posted on here.Is there anyone that got help from these snakes? I did not choose this mortgage company my mortgage was sold to them, it has been a nightmare with citi mortgage scince day one from lost payments to lost paper work and being hung up on when you call these people to try to work it out with them. Citi Mortgage what did you do with the goverment bailout you received ? you sure did not help out any of your mortgage coustumers out to make home affordiable, Or did you just help your own family out!
by evelyn aguil From Earlimart, CA on December 18, 2009
by Anonymous From Houston, TX on December 16, 2009
I have talked with three people concerning this account and have been given three different answers. The last answer was too late house already foreclosed. I sent in payment stubs for research and nothing happened with that. So, this is my lost and I have no one to blame but myself.
by angry one From Tacoma, WA on December 12, 2009
loan was sold to citi may 2008. always current with payments. 30 year clean history on mtg payments. called in February 08 to make a payment. said i was leaving to do a streamline FHA loan. one year no late and a good credit score is all you need. i asked what plans they had available. can i restructure my loan? 6.25 down? keep a fixed rate, etc. citi rep said oh let's do this!.. sounded perfect coming from a professional lol! at citi.... make half payments for 3 months. Obama is coming out with a great FHA program that you would fit perfect in! call me back in may. Made 1.2 payments as agreed, called back in may.. rep said....oh Obama has released it FHA has not, so keep paying 1.2 until august, then call me. called 24/7, emailed complaint center, called his super?, called my bank and said go through with my streamline... screw citi... credit report!!!!! went from 780 score to 550! reports...120+past due. OMG............ googled citi complaints... found a number NOT in INDIA, my late were removed asap. Had to beg, borrow and steal for a letter from them fax NOW ASAP. got it......... next step... streamline.........out of citi yeah! oh no.....called in for payoff with my banker on a 3 way all.. citi worker said why you worried about your credit? you WILL be paying us payments again and then in Oct (2) months you will owe us your balloon payment of 20K! omg.......they entered me into a forbearance plan. Sept 29, 09 i was sent the agreement, all legalized with terms of the agreement.. stating sign and mail back today! i still have it..... they are refusing to correct this.. want to put me into a modified program, but i don't qualify.. how does that work????? I NEED HELP! ANYONE KNOW WHO TO CALL... i have spent countless hrs, days and nights on this.. i physically cannot work, sleep or function due to this horrid company. any direction from you in my same ship that's sinking, please contact me. firstname.lastname@example.org
by Anonymous From Afton, MN on December 08, 2009
They suck. No customer Service at all.
by Anonymous From Bristol, WI on December 08, 2009
Once we were in foreclosure, they weren't very helpful. They claimed to have called, but never left messages if they did, we never got anything in the mail from them despite the fact that they said they sent us stuff, and when given a contact person, she never answers, you have to leave a message and hope you are near the phone when she calls back.
by Shuron Thomas From Knoxville, TN on December 07, 2009
I would rate overall the company good and not great but there are some great workers there that are willing to work with you if you continue to call until you get the right person.
by Anonymous From Carson, CA on December 06, 2009
CitiMortgage is horrible and should be fined and doors closed for the illegal practices they serve.
by natasha wilson From Carson, CA on December 06, 2009
Citi Mortgage in my view practice poor communication and assistance services. In addition, I believe that many of their mortgage practices are illegal.
by Anonymous From Troy, NY on December 02, 2009
by Lisa Barlow From Shady Spring, WV on December 01, 2009
by Anonymous From Kokomo, IN on November 29, 2009
I always liked them until I started going through all of this and got behind. Now they say they didn't receive my information in time 2 different times. Once I could see but twice in just a couple of months time I find hard to believe.
by Homeowner From Roanoke, VA on November 29, 2009
All my payments are up to date and my credit is good but they keep reporting a default alert to FHA and the credit agencies preventing me from refinancing my house. They were given proof of all payments and given 30 days to remove the false information an they will NOT respond. I'm filing a complaint with the Attorney General this week.
by Jen K. From Vancouver, WA on November 29, 2009
I had the same experience everyone else has had with these guys. For over 8 months it was back and forth. Finally I had a friend tell me how he got his modification. He worked with a great guy named Titan in vancouver, Wa. His They can meet you face to face, you even know where they live cause that's where their office is. Dave and Titan do a great job, are very honest and will get you a good mod with CIti.
by Anonymous From Hot Sulphur Springs, CO on November 21, 2009
by Anonymous From Collierville, TN on November 18, 2009
by Anonymous From Wynnewood, OK on November 16, 2009
by Robin Puga From Nichols, IA on November 14, 2009
by Anonymous From Hiram, GA on November 13, 2009
by Anonymous From Arvada, CO on November 11, 2009
by Kevin Hutchison From Bath, IL on November 11, 2009
by brian mitchell From Port Huron, MI on November 10, 2009
they do not return calls and are not helpful in the negative situations that are happening in the economy
by mike lorince From Chardon, OH on November 09, 2009
by Nevaeh Jones From Jonesboro, GA on November 09, 2009
by Anonymous From Canal Winchester, OH on November 06, 2009
had property damage. check made to us & Citi Mortgage so they can protect their investment. 1 month & have no check so contractor can start. they have lost paper work says it takes 48 hrs to receive fax,say they never received only after you call them,48 hr again never receive,re-fax stay on line & they say they received, need w9 form from contractor they received then said 48 to 72 hr to get verification from irs. call to see when check will go out. to late today tomorrow. don't receive check call again finally talk to my second resolution officer. check will be expedited. should receive in 3 days 4 at max. called to verify it was sent and it still had not been mailed that was on the day I was to receive it. will take 7 to 8 days. boy that's what I call expediting !!!! if any one knows what I can do please email me Zippity318@aol.com
by William Robinson From Houston, TX on November 04, 2009
by Anonymous From Cookeville, TN on November 03, 2009
In Nov. 2008 I made 2 payments but they just applied 1 to the mortgage and it went on our credit reports and I was charged late fee's and after about 6 to 8 months of getting the runaround, the people at Citi I talk to would just laugh and tell me to send another check. I got an attorney to get this mess straighten out and they said they applied the payment and the late charges but I didn't see were the late charges went to, I don't think they went to the principal.
by Amanda Nelson From Lansing, MI on November 03, 2009
They have been good until I tried doing a short sale on my home. I sent in all paperwork never heard back from them, called and emailed several times. Finally got a response saying they needed all paperwork (that I already sent in) this took 3 months by then the buyer said forget it, now I'm still stuck with my home. It would seem they would have been all over a short sale. To get something out of the house is better then zero.
by Robert Ammerschuber From Rochester, NY on November 03, 2009
Citi Mortgage has been very workable for the past 2 years but all of a sudden has decided to play hardball for $8,485 principle balance.
by Anonymous From Adelanto, CA on November 02, 2009
by Michelle From Baltimore, MD on November 02, 2009
I have been working with Citi Mortgage and each time they keep sending me on wild goose chases to get info and then question my credit report when there are zero balances. They are horrible and it's been 3 months.
by Leanne Johnson From Dayton, OH on October 31, 2009
applied for help in June, received application in October!
by THOMAS JACKSON From Orlando, FL on October 30, 2009
by Jose Moreira From Seattle, WA on October 26, 2009
by Anonymous From Arlington, TX on October 26, 2009
by Michel Ryf From Lindenhurst, NY on October 23, 2009
Read on various web pages that Citi Mortgage is not willing or very slow in helping its customers in need!
by Anonymous From Chicago, IL on October 17, 2009
by Tim Evans From Hattiesburg, MS on October 16, 2009
by Anonymous From Edmonds, WA on October 14, 2009
CONTACT YOUR ELECTED OFFICIALS! We can't get anywhere complaining on website unless someone sees and hears us. Call/Email someone who is supposed to represent YOU everyday. Citi Mortgage is a monster at large but we must try to do something to bring our horror stories to the surface!
by A Rivera from N.Y. From New City, NY on October 14, 2009
I had requested a loan modification,submitted all the paper work ,after 6 weeks a called Citi Mortgage to get an update in that request,i was transferred from one dept to another this went on and on for weeks finally a girl name Cloddia said to me that modification was cancelled ,because i filled Bankruptcy ,(the property is not included and they know that,) I had to filled chapter 13 to save my home , i now i don't know what to do ....What happened to with the money from the Government.. Is our Tax Money, AWFUL,SHAME ON YOU Citi Mortgage..
by tracey schoenberger From Kansas City, KS on October 11, 2009
they are very inconsiderate and doesn't care what happens. they tell you one thing and when you call the next day its a total different story. they assured me my loan was assigned to a counselor and they gave me their name, however when i call to speak to her for an update, guess what! that name doesn't exist. calling everyday for a follow-up is a totally nightmare!!!!!!!!!!!!! the rep. never know what is going on. I have been trying to get a loan modification going on a year now
by Era Tidwell From Lyles, TN on October 09, 2009
They are horrible..they no nothing..and they always want to transfer you to another department..i have paid back notes.. i am so disgusted with this mortgage company
by Dr. smyth From Elgin, IL on October 08, 2009
Citi Mortgage sucks out loud. They just "loaned" 7 billion to India and bought a 7th airplane.
by Anonymous From Greenup, IL on October 06, 2009
by Anonymous From Waukesha, WI on October 06, 2009
they tried to help, but took 6 months to get back to me on how they were going to help me. And now after reading all the other testimonials, I see my situation was very similar.
by chris carroll From Birmingham, AL on September 29, 2009
yeah don't feel bad i get laid off takes me 2 months to get homeowner assistance with forbearance agreement where you only pay half your mortgage they tell me the rest goes on the back of your loan. then the agreement is over with 6 months down the road and now they want to foreclose on my home sending me these nasty letters. they don't care they know the government will bail them out if they get too far into debt and they know they will always get their money because i pay for the insurance for them to get their money every month this is ridiculous. i have never been through so much crap in my life. but i tell you one thing that helps with lost mitigation.... when you do finally get somebody on the phone tell them you have paid all you can pay and you can't pay them anything else until they help then that day he'll fax you over paperwork for your help. lol
by Anonymous From Naples, FL on September 27, 2009
I've asked for help for 6 months. I've submitted paper work on three separate occasions, still no help.
by Anonymous From Spring, TX on September 21, 2009
Citi Mortgage is not trying to work with me nor my family to try and resolve our current problem. They keep sending me on a wild goose chase when asking about information to stop our forclosure on our home. I would not recommend this mortgage company to anyone.
by Leslie Ciski From Las Vegas, NV on September 20, 2009
by Anonymous From Granite City, IL on September 18, 2009
OMG.Sounds like I'm going through the same thing. Got behind with loss of income, first told me I could work out a repayment plan, came back and said denied, told me we met the Obama plan, came back and told us denied. They returned my payments because they would only accept "payment in full" but yet one rep told us to continue to send in our monthly payments. Then received foreclosure papers. Was told we prequalified for an extension and they would fax us papers within 2 weeks. It has now been 2 months and I call and call to get different information. Then all of the sudden receive a letter for loss mitigation saying they've been trying to reach us. I again have called everyday to get a voice mail and no return calls. I'm absolutely sick over worrying about being thrown out on the streets. And why would you not accept payments rather than allow someone to get farther behind. Unbelievable!!
by Anonymous From Peoria, IL on September 17, 2009
by Anonymous From Pinckney, MI on September 17, 2009
by Tranita Anderson From Catonsville, MD on September 15, 2009
Just starting out on the road to request a short sale. Don't know if I'm going to be successful or not. So far Citi Bank has requested that I submit supporting documents and has given me two different fax numbers. I can only hope for the best.
by Barbara Putnam From Burnt Hills, NY on September 15, 2009
by Joseph DeBaene From Hartland, MI on September 14, 2009
I have no complaints about Citi Mortgage. They have dealt with me fairly and sympathetically. I simply cannot afford the home that I am responsible for due to circumstances beyond my control, and this is not my fault nor their fault. It is just a bad situation, and it needs to get dealt with.
by Anonymous From Portage, WI on September 12, 2009
by Robert C From Pompano Beach, FL on September 09, 2009
I don't want to reiterate the same economic crisis as those respondents before me. I'll start at the point of Short Sale. I thought I was close to a resolution for a short sale of my home. I have a contract on my home, a payoff letter from Citi Mortgage attorney, and after 8 months of providing financial information to Citi Mortgage, my real estate agent received an e-mail from Citi Mortgage that I have not cooperated and Citi Mortgage is closing the file on my Short Sale request. A tactic to stall the short sale and collect my fees and interest. The reckless lending practices of the mortgage industry created a seller's market that overinflated the value of homes nationwide. Now the mortgage industries practice of selling off property acquired in foreclosure at less than market value has devalued my property to the point that I have lost all equity in my property. I offered Citi Mortgage full payoff and my second mortgage holder $0.70 on the dollar. I have stayed in my home and maintained to obtain the highest sale price possible. Now I will loose the buyer and my home due to the inability of the lenders to process my Short Sale request in a timely manner. This is criminal.
by Anonymous From Coatesville, PA on September 03, 2009
They overcharged our escrow account $9000 which raised our payment $600 which we could not afford. They advised us to take out a forbearance while they "investigated the situation." Three months later, after making the forbearance payments on time, Citi sent us foreclosure papers. On the phone for hours over several days with nothing solved. Promised return phone calls were never made. Very disorganized company dealing with people's homes!
by Mike Akemon From Dayton, OH on September 03, 2009
I've been lied to numerous times, nobody that I've talked to has given me the same information, it is always different, and no one will return any of my calls. These kind of things have been going on for a long time with Citi Mortgage and myself.
by Randy LAwson From Mastic Beach, NY on September 01, 2009
by Anonymous From Hickory, NC on August 29, 2009
by Anonymous From Buford, GA on August 28, 2009
by Anonymous From Toa Alta, PR on August 25, 2009
If you're under Bankruptcy law, why do the client have to pay to the Citi Mortgage lawyers in a Court case if they are receiving a salary for their services from the company. Does that doesn't sound illegal?
by Anonymous From Toa Alta, PR on August 25, 2009
If you asked for a payment plan and you are paying 900.00, why in the name of God they told you that tha new payment plan will be 1,200. That's the way Citimortgage help the clients?
by Anonymous From Rochester, MI on August 25, 2009
I am a former employee of ABN AMRO Mortgage Group, Inc. I am truly sorry to read of the many, many problems encountered by those affected by the merger with CitiMortgage. By the tone of your letters, it appears as though Citi has become too big to take care of the needs of the people they depend on most for their salaries-THEIR CUSTOMERS!
by marlena peterson From Winter Haven, FL on August 20, 2009
by Anonymous From San Jacinto, CA on August 19, 2009
by Boris From Los Angeles, CA on August 14, 2009
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by Anonymous From Mohnton, PA on August 14, 2009
No one in this "organization will communicate with anyone else. Most of the operators are from Pakistan and can't even speak english.They offer absolutely no help.
by Anthony Wojszwillo From Mohnton, PA on August 14, 2009
constant harrassment all hours of day and weekends. People who cannot speak english and mumble through speech. Absolutely refusing help unless you have a steady income.
by JOE GRIFFITH From O Fallon, IL on August 11, 2009
I HAVE TRIED FOR ALMOST 2 YEARS TO GET THESE CLOWNS TO WORK WOTH ME AND THEY DONT CARE BOUT THE AVERAGE JOE.
by anthony bermudez From Bridgeton, NJ on August 11, 2009
by UNKNOWN From Dallas, TX on August 09, 2009
CITI MORTGAGE HAS BEEN GIVING ME HELL SINCE THEY TOOK OVER MY LOAN IN 2004 AND HERE IT IS 2009 AND THEY HAVE GOTTEN EVEN worse. I THINK THEY ARE ALLOWED TO PERSONALLY PROFILE PEOPLE BASED ON THEIR STATUS. THEY HAVE MISPLACED MY PAYMENTS TWO YEARS IN A Row. Now HERE THEY GO A Year TO THE DATE Threatening TO FILE ONCE AGAIN A Foreclosure ON ME AND I'M SICK AND TIRED OF THIS WHEN THEY ARE THE ONE'S WHO IS MISPLACING MY PAYMENTS. I ADVICE EVERYONE TO FLOOD Federal TRADE COMMISSION AND YOUR LOCAL BBB AND THEY Attorney general CONSUMER COMPLAINT DEPT. FOR YOUR STATE!!! THESE PREJUDICE SUCKERS NEEDS TO BE Brought TO REALITY NOW NOT LATER!!!!
by kulwinder pabla From Kent, WA on August 09, 2009
by Karen B From Minneapolis, MN on August 06, 2009
I don't know that I've ever been this frustrated. I'm current on my payments. I always have been. However, I changed insurance carriers and they paid twice for insurance. I received a repayment from the cancelled insurer, and I promptly repaid CitiMortgage, with a letter, and note on the check stating that this was payment to the escrow account. They applied it as a payment, so they actually had two payments for that month. They are now saying I'm beind in my escrow account $1400, and my payments have increased $300 per month. They refuse to move the money from payment status to my escrow account, and refuse to acknowledge that two payments were made in that one month. I was treated so rudely, and actually hung up on. I just don't know who to call!
by Anonymous From Clinton, NC on August 05, 2009
by Anthony Mungin From Cypress, TX on August 02, 2009
This has got to be the worst and most incompetent mortgage company out there. I used to think it was Countrywide but perhaps their record has been topped. CitiMortgage, during the poor transition of my account from Countrywide, made duplicate payment of my insurance and tax payments after Countrywide had also paid and as a result, my escrow balance went into the negative. Rather than acknowledge and fix the error, they pointed fingers at Countrywide. They further compounded the problem by telling me they were going to base my 2009 tax payments on what was paid in 2008. How stupid! They said they were doing so b/c they did not have access to 2009 information. I've told them repeatedly that I have the information but they fail to consider it. I have since sent in $1481 for escrow and they have yet to apply it to the account, rather it is sitting in an "un-applied funds" pot. They have literally turned routine mortgaging into a nightmare.
by Shunna Milton From Houston, TX on July 30, 2009
However, I did call on several occasions explaining that I did not have the salary that I once had, and was struggling with the note due to decrease in resources. This was not the original agreement when I purchased the home in 2001. The monthly mortgage was $850. I shared that that payment was much more affordable for me---did not seem to get help in reducing payment which may have alleviated this process
by Natalie From Durham, NC on July 30, 2009
Citi mortgage has completely screwed me and now refuses to help me. I'm at a complete loss on how to handle this horrible company. I have a perfect payment history for my loan and i have not lost my job or been in any situation fortunately where i couldn't pay the fee. My rate went up due to an escrow shortage so i calledc and was informed to apply for a hardship and they said an escrow shortage was a hardship and I could get a lower interest rate and get it down. So i did. they made it sound so easy. I then called a month later to see what the status was and got the nicest guy who set me up on a payment plan until i could be contacted by a rep. to get my info. and change my plan. I was a perfect candidate for a payment modification b/c i had a good job and just wanted a lower payment. Yeah right. I clearly said that i have the money and I don't want my credit affected. he lied or was ignorant and said it wouldnt be. So i take the reduced rate (about $150 less) and then i go w/ it. I received next mo. a letter about a delinquency so i call. they tell me to ignore it and it was sent out in error b/c they didn't realize i'm on a plan. the letters kept coming.. I called and called. ive spent hours on the phone and no one will help me. 7 months later... no rep. has EVER contacted me or adjusted my plan. I call again. I've written 2 formal complaints requesting phone conversations. i have everything and no one will help me. My credit started being screwed immediately i've found out. I've also sent payments in to citi already to pay anything off and they're not applying it to my monthly payment and stating i'm over $7000 delinquent when I've paid everything off. Where are my payments going and what the heck are they doing. I've contacted 2 attorneys and no one will take it. Do NOT ever use Citi. 8 months later and still i can't get anyone to help me.
by Tom S From Olathe, KS on July 25, 2009
I've been on the phone a few times with Citi and the people on the other end seem to just be interested in their shift being over. They don't seem to care about the problems I had told them that I was having. I filled out a workable solutions form 6 months ago sent it in and was waiting for some action. Called them 3 times and was told they were backlogged. Then I get a letter that said they dropped my request because they couldnt get ahold of me by phone. My cell phone would have a record if they called but they didnt. Even if they did they didnt leave a message. They want to make things harded on us so they dont have as much work to do. They suck!
by Anonymous From Laconia, NH on July 24, 2009
by Anonymous From Lansdale, PA on July 23, 2009
these people do not give a crap about the people they are supposed to be helping. they would not even give it a thought to put people on the street.
by Anonymous From Carrabelle, FL on July 21, 2009
by Matthew Burr From Folsom, LA on July 20, 2009
by Anonymous From Penns Grove, NJ on July 18, 2009
After my husband lost his job I called to tell them we wouldn't be able to make payments, their response was they couldn't help, they only decided to help after the government made them. Even then they had no interest in hearing our hardship.
by Pamela From San Jacinto, CA on July 17, 2009
I encourage everyone who has had a bad experience to file a complaint with the government agency, Office of the Comptroller of the Currency (OCC) that oversees Citimortgage. Visit www.helpwithmybank.gov and contact the OCC to make your complaint. We all need to fight back against these incompetent idiots who pretend they want to help their customers, but don't help at all. In fact, they make matters worse.
by Anonymous From Oak Grove, MO on July 10, 2009
Very poor customer service. Cannot get the correct departments or people. Escrow has not adjusted mortgage as agreed. Poor communication.
by Anonymous From Blanchester, OH on July 09, 2009
Offers help with our payments and then when we apply they tell us we are not eligible.
by Anonymous From Oneonta, AL on July 08, 2009
by Anonymous From Grand Rapids, MI on July 01, 2009
very difficult to get ahold of anyone with authority to negotiate
by Anonymous From Goodlettsville, TN on June 29, 2009
by stlvia ortega From Portland, OR on June 19, 2009
by Anonymous From Andrews, IN on June 05, 2009
by richard crawford From Fishersville, VA on June 01, 2009
by Anonymous From Hartselle, AL on May 28, 2009
by A. Francis From La Mirada, CA on May 22, 2009
Thanks for the number to Kim Zinn. I did call, and did get 20 questions about how I got the number, but they gave me what I needed- I then called that number 1-866-272-4749 Even though I had filled out the forms 2 times (once sent by mail and once sent it online) I was now able to talk to someone!!!!! Yeah! She was very nice and explained the Obama plan would help me, and that I qualified. Now I am just waiting for them to come out and determine my property value. By June 12th, I can proceed to the next step. Call this number for the Home Owner Assistance Team- 866-272-4749
by Arthur Perina From Gretna, NE on May 20, 2009
by JH From Hondo, TX on May 20, 2009
I'll make this brief, but could write a book on the pain of dealing with citimortgage. It took me a year to get my loan straightened out after submitting a repayment plan for being 2 months behind. Once you do that, your loan goes to loss mitigation. After i did that they would not accept any more payments, Could never get a call back from loss mitigation, customer service had no idea what was going on because I found out they cannot see the same database as loss mitigation due to security. After waiting 8-9 months...the first response i got was a foreclosure notice 10 days before christmas. Even that was screwed up, it stated 2010 as sale date and I only found out it was for 2009 through a solicitation from another attorney! I finally went straight to the top (Executive Response Unit CALL THIS NUMBER 1-800-695-0384—-ext.–27200., this is the direct line to Kim Zinn)...THIS IS THE ONLY WAY YOU WILL GET ANYWHERE WITH CITIMORTGAGE.
by Anonymous From Munford, TN on May 19, 2009
I was on a repayment plan in Feb. of 2009. My mother was extremely ill and when I sent my payment via western union it was declined. Calls never returned,allways having to leave voicemail messages. My mother subsequently died. Now I face foreclosure, and no one will return my calls
by Darryl Thompson From Midlothian, VA on May 13, 2009
by elwood louk jr From Marlette, MI on May 08, 2009
they wont return my calls. tried to arrange payments .they r not willing to help me in any way
by Anonymous From Bath, ME on May 06, 2009
by Anonymous From Bend, OR on May 05, 2009
Have tried working with them to get a loan modification and all I get is the run-around and never an answer. Apparently the only thing they might listen to is my non-payment.
by Manuel From Bayamon, PR on May 04, 2009
Since day 1 that I purchased my home 2004 I've had problems with, first they had the property address wrong in there system then they had the wrong address on the insurance, now I submitted my hardship papers in december and someone is suppose to call me and no one ever does when I call Customer Service they say they can't help, when you call Collections they can't help, my account rep was Kim Moore I don't think this woman exist in the company I called since jan 2009 till end of march never ever spoke to her, then it was a Felipe he gives me his direct number 1-301-815-5642 never answers always a voicemail never a return call and you really need to listen to this voicemail it sounds like someone off the street that doesn't even havea junior high school education...Since december 2008 and we're now in may 2009 I've yet to speak to someone and I'm about to lose my house. On top of that they don't have an office here or a bank where I can say I'll go in person, for me to be able to go in person I have to by an airline ticket....Citi Mortgage sucks....Washington has to do something about this Bank...
by Anonymous From Houston, TX on April 30, 2009
Horrible company to deal with. I would switch in a heartbeat if it didn't cost me $4K in title fees. They lie to you about PMI and make it very difficult to get rid of.
by Anonymous From Palm Bay, FL on April 30, 2009
I submitted my hardship papers since december '08 and they keep saying that I have to re-submit my papers again with out giving me an status on my loan. I have a new case manager every month which I have to explain over and over again what they already have in file. My question is are they really going help us. It seem like no body has an answer. They send you letters intimidating to foreclose your home and the call back number on the letter doesn't even exist. All you get is an automated message.
by kathy From Bel Air, MD on April 30, 2009
I have been trying to get a permanent modification of our mortgage from a 15 yr to a 30 and no one will call me back from loss mitigation. I have been trying to call a so called counselor since January, 2009 every single day, leaving her vm messages and she never returned my calls. Now they have assigned a new counselor and she is not returning my calls. This is absolute bull and there is no excuse for it. None of the CSR's know what they are doing and everyone tells me something different. Most aren't even 21 years of age. What is a person supposed to do when you can't get help from the company who received the most government bail out to begin with???
by Anonymous From Lake View, NY on April 30, 2009
by Amy Foster From Henryetta, OK on April 29, 2009
by Lisa Pegler From Colorado Springs, CO on April 24, 2009
CitiMortgage reps have continually given me wrong or bad information, they have over 10 different toll free numbers to call from the letters they send out. Each time you call these numbers, you're transferred to someone giving out this fly by the seat of your tail information. I understand they are inundated with calls and loans in default, thus they probably don't have a very hig level of skilled and experienced employees to handle this mortgage crisis. Everyone I talk to sounds like they are 20 years old and going through the motions of a script with out any authority to help resolve issues. I was set up on a forebearence plan for payments, is this a stall tactic while they continue foreclosure proceedings? Do these reduced payments go towards whay I owe or in some cyber sapce account for the company to use in investments to help recover on all the loans that are defaulting? Toooooooooooo many concerns and questions to resolve and state here. I sent in my modification paperwork 1/09 after the first month I missed a payment..it is now 4/09..they keep telling me my loan is in the modification dept. They will contact me...( perhaps after they see I'm making he forebearence payments) it seems to me it's all smoke and mirrors and delay tactics in hopes our sitution resolves and we're able to pay back the late payments/fees/fines what have you..without ever modifying the loan.
by Anonymous From Matteson, IL on April 24, 2009
by Anonymous From South Bend, IN on April 20, 2009
they sent us paperwork for modification, we never heard anything made several calls and then got a letter saying that they have tried every possible solution to resolve this which we never heard anything from them other than the lawyer was handling the foreclosure
by Anonymous From New Kensington, PA on April 20, 2009
by Jennifer Robinson From Avon Park, FL on April 20, 2009
by Katherine Day From Auburn, GA on April 15, 2009
by Sandra Spurza From Syracuse, NY on April 15, 2009
by pamela From Darby, PA on April 07, 2009
I had a problem in 2007 and needed a loan modification . citi mortgage sent out the paper work and when I returned it they said they never received it. They also said that they worked out every workable solution with me but that was not true. now I am still trying to save my house in 2009
by Anonymous From Alamogordo, NM on April 06, 2009
They never contacted me even when I called, submitted information about Loan Modification, over 5 months ago and called numerous follow-ups and the reps will not give you that department. They just send you to the collections department and they just demanded payments. They harress you, and are very rude.
by Anonymous From Marshfield, MA on April 01, 2009
Extremely rude. Customer service is AWFUL!
by Anonymous From Mount Pleasant, SC on March 30, 2009
by Marilyn Bolanos From Dobbs Ferry, NY on March 30, 2009
by Anonymous From Rancho Santa Margarita, CA on March 27, 2009
by kevin warren From New Castle, DE on March 23, 2009
Never can get the same answer, also getting transfer around the company. Each time a new rep gets on the phone I have to start over.
by Peter Cox From Janesville, WI on March 21, 2009
by Anonymous From Ocean Springs, MS on March 20, 2009
I need to rfinance my home because the payments now exceed 45% of my fixed income but citimortgage will not refinance even with my payments current.
by Anonymous From Roanoke, TX on March 15, 2009
Our tax dollars went to bail them out, so they could bail us out....so where is our bail out??? I followed exactly the steps they told me to follow, filled out all the proper forms, faxed requested information, filled out forms online, called daily since the end of January and was told I had to wait for a rep to be assigned. Of course my fear was foreclosure, but was told that it would be noted on my account that I was in Loss Mitigation and this would stop foreclosure. Two weeks later I get an email stating my information had been received and I would be contacted in 30 days with a workable solution. 2 day later I received a certified mail from the attorneys notifying me of the sale date of my home. The Citi reps had nothing to offer for this when I phoned them, other than putting me on hold several times and finally telling me there was nothing they could do to stop the foreclosure proceedings simply because they hadn't received my package in a timely fashion.
by Anonymous From Frisco, TX on March 14, 2009
by Rats F. From Petersburg, NY on March 10, 2009
Lies... Misinformation... Disorganization... Total lack of satisfaction.... RECORD YOUR CALLS !!
by Emory Fristoe From Fredericksburg, VA on March 09, 2009
by Kenneth Ginanni From Mount Holly Springs, PA on March 09, 2009
by Anna Looney From Akron, OH on March 09, 2009
by Justin House From Auburn, GA on March 08, 2009
by Ivy Bowman-Moulder From Lanham, MD on March 08, 2009
My loan my been sold from AMC to Citi Residential Lending to Citi Mortgage to America Home Mortgage Servicing and all are the same.President Barack H. Obama tells the people to talk to your mortgage. If you talk? Who are you talking to? Not the Mortgage companys. I have tryed to talk to get the settle. No Hope. The mortgage commpanys don't want this to happen, but the mortgage companys don't know what there staff are doing to help the people save there homes. I have not had one rep from any mortgage company to treat me fair or professionally help to avoid foreclosure.
by Gurus Ravi From Houston, TX on March 07, 2009
They are really very poor in communicating and type of request immediately. It takes months before i can get what is needed. Calls are often directed to several call centers and coordination between different offices are confusing. There is no specific service manager assigned to assist my special needs.
by Pamela Phillips From Charlotte, NC on March 06, 2009
they don't listen to their customer and they tell you what they want you to do and don't ask if this will work for you.
by Tammy From Vandalia, OH on March 06, 2009
I'll make this as short as i can, Just like thousands of other families. We work, We pay our bills...If we dont work how can we pay them? Everytime you answer the phone the collector on the other end wants a dated check or to add additonal monies to your next payment..Come on are they idiots, we can barely afford freakin toilet paper...
by Robert Bourgeois From Rancho Cucamonga, CA on March 03, 2009
I believe they are overwhelmed at this time.
by angelpeaden From Thomaston, GA on March 01, 2009
i too have had problems with citimortgage.i changed jobs and went a month with out pay and caused me to be behind on my mortgage and contacted them before i got behind for help.they then sent me to the lost mitigation department and sent all my stuff in and did not hear anything.by then my next payment was coming due and they told me not to do anything because they would not be able to help me if i did.i still did not hear anything so i sent my payment then when i contacted them back they claimed they didn't have any of my info.and wanted me to send it back in and i refused.that was a joke.then they increased my payments because they estimated my taxes wrong and my payments went up 150.00.they also didnt sent my insurance money in for my home owners and it was cancelled until i was finally able to get intouch with someone and they finally paid it.i have had nothing but problems.my loan was sold to them 1 month after i got my house.iam now looking for someone to refinance.iam now current on my payments but was late from oct to jan which has now affected my credit.i hope this stimulus package will help me refinace my house.if not once my payments are current for 1 year i will find a local bank to refinance.if anyone has any suggestions please help
by Anonymous From San Antonio, TX on February 26, 2009
by Jennifer van Velkinburgh From Santa Fe, NM on February 18, 2009
Lied to customer; gave a date that they would accept a loan modification and then put the house in foreclosure two weeks before that date even arrived!
by Anonymous From Roseville, MI on February 18, 2009
by Caesar Gonzales From Harrison Township, MI on February 15, 2009
I was a very good customer, but I was strugling to make my payments and I kept telling them I needed help a year and a half before I stopped making payments. I have been selling my house for the past three years below the value of the mortgage. My Real estate Agent found a buyer, but the bank took more than three months to make a decision and the buyers bough another property. I am serving in Iraq and they will not help me.
by mickey gooding From Batesburg, SC on February 15, 2009
no help from citi mortgage when i lost my job & ask to lower my payments I sent all the necessary paperwork three times faxed & called no one their willing to help. This seems a little unfair considering citi was bailed out!!!!!!!!!!
by Peggy Printz From Las Vegas, NV on February 13, 2009
Citifinancial zoomed in on me, with 3 equity loans before ABN sold my 1st to CitiMortgage. Citifinancial Auto offered to lower my car payment and I went for it. THey are the flies and I'm shit. They act like they don't know each other. Just one of me against all of them CitiMortgage, CitiFinancial,CitiFinancial Auto. Shittybank
by Sherry M.S. of Jacksonville,NC From Jacksonville, NC on February 12, 2009
My husband and I both lost our jobs a few months apart. I called Citi to get help early no help was offered. Then I became behind and they wouldn't take partial payments. I was told by a friend to send them the money by Western Union or certified mail and once they accept it the balls back in their court and it was. They sent out court papers and when I showed up at court with all my receipts the judge put everything back on Citi and they had to remove their lawyers fees and everything. Citi Mortgage sucks I have several cards with them also and their credit department sucks also. I totally forgot that I paid for the insurance on the cards and all the times that I called them for help, they never once stated hey I see that you have insurance coverage lets get that processed. No, they just called me like a bad date over & over & over again, day and night. CitiMortgage & CitiFinancial Sucks. I hope that someone gets to sue them for Bad Faith Credit Practices.
by jim boyd From Riverside, CA on February 11, 2009
by An Objective Realist From Fort Lauderdale, FL on February 11, 2009
***Here it is in a nutshell*** Yes CitiMortgage and "Workable Solutions" are a joke - I'll tell you why in a second. First, some history for those who have not kept up: The unregulated real estate market crashed because homeowners with subprime loans could no longer afford their payments after the mortgage ballooned to double digit interest rates. With all of these subprime people foreclosing, the value of real estate began falling. Now, homeowners who purchased after the real estate boom (who were paying on schedule) realized that their mortgage was more than the value of their property. It was cheaper to lose the initial money paid thusfar than to continue to pay, for example, a $700,000 mortgage on a house now worth $400,000 and falling; so they stopped paying, too. With all of these foreclosures, the country began to tighten their belts and consume less, buy less, invest less. This coupled with Wall street's ingenious idea to bundle the troubled mortgages and sell them as securities around the world, led to the global economic crisis that we are in. And obviously, with less consumption there will be less jobs, and the downhill snowball begins. Second, the 1st Government bailout was the biggest fraud ever pulled on the American people. Paulson wanted Congress to give him 700 billion, no strings attached. Although there was a big debate in Congress about oversight - they still ended up giving away the money with no accountability. So, the banks bought junkets, remodeled offices, and paid bonuses to executives from the bailout money - instead of using it to free up credit or help victims of foreclosure save their homes. Now everyone has their hand out asking for some government bailout money, BUT no one is doing anything about the situation. Why? Because Congress is trying to work out a stimulus package, and the banks are waiting to see how much of that stimulus package is theirs. They want to know how much the government going to help them with their foreclosure losses. This is why CitiMortgage and Workable Solutions is a joke. Because the bank is not willing to cut you a deal until they know how much the government will pick up if they readjust your mortgage to the current value of your home. Until the bank readjusts these mortgages things will continue to worsen. They are just holding out for the best possible deal from the government before they will be ready to renegoiate and take losses. So, it's basically a waiting game. Hopefully, your home doesn't get foreclosed before the stimulus package is approved and in motion. No one even knows what specifically is in the stimulus package for homeowners. So, as for me, I'm not going to fill out CitiMortgage's Workable Solutions application for their records. I'm going to wait and hope their is some mandate that banks must renegotiate and readjust mortgages according to the current market value. If my house forecloses, so be it, I have already come to terms with losing it. I will definitely not try to save my $300,000 house when the house next door is going for $89,000. I am not about to go bald, lose sleep, or feel the pit in my stomach any longer!
by Anonymous From Rushville, IN on February 09, 2009
Company has repeatedly told that everything was going to be fine that they would work out payment arrangements that we just had to go through their "process". Now we have a sherriff's sale pending and they are still going through the process. I'm tired of waiting for their process, just do something already. I just keep wondering how many others are out there like me that can make payments but keep getting the run around from a horrible mortgage company.
by April From Bristol, VA on February 09, 2009
Citi Mortgage should not receive bail out money. They claimed in November they would help mortgage holders who had lost their jobs or who were struggling. That was all lies. I called and answered alot of questions about my income. I lost my job so I was relieved that I would possibly get a break..hopefully a lower interest rate. I received a letter today saying that my current mortgage and market conditions favorably match my finances at this time. My mortgage terms will remain unchanged. I AM UNEMPLOYED AND A SINGLE MOM.I am using my savings and unemployment to barely keep up the payments. I called and talked to someone with a thick accent. He said he would send me a package I can apply for. From these posts I can see that it is bogus too. He also tried to get me to take a credit card!!!!!! I said I cant afford it..I dont have a job!!!! I can't believe they could be so stupid. I hate that the government bailed them out.
by Anonymous From Eugene, OR on February 08, 2009
We called several months ago to try a get help and they had nothing to offer.
by Gary Chavez From Tucson, AZ on February 06, 2009
I called them in October to see about combining the two loans because it is a toxic loan. they said they would be in touch but have not called nor can i ever reach them on this matter. if i don't pay on the 1st but pay before the 16th they are on my back with these calls that when you pick up is a recording to call them.
by Duane & Susan Whited From Barberton, OH on February 05, 2009
They have not been willing to work with us ~ we are in hard times and need help ~ our home is in foreclosure and sheriff's sale and we can't find any help. I have a wife and four children.
by Anonymous From Independence, MO on February 05, 2009
i love when someone can't pay on time let's take more on so its even harder to pay they are about the 3 company who has my mortgage and never had fees like this
by Anonymous From Pipe Creek, TX on February 05, 2009
When I would talk to them, they never would just let me pay a partial payment or just the interest. I tried to set up automatic payments, and they would tell me that they couldn't do it, that it was another office. Always a runaround.
by JK From Dallas, GA on February 04, 2009
CMI are just a bunch of horrible goons who have no clue as to what good customer service is all about. More than thrice they have failed to credit my account with the proper aomunt. When I called, I managed to talk to some some guy that I could barely understand. Repeated calls were answered somewhere in Pakistan or India ending up talking to some dude I couldn't understand. Back to square #1.
by MIKE ROMERO From Fresno, CA on January 31, 2009
by Abby Hunte From Ridgewood, NY on January 31, 2009
good customer service
by Deborah Ellis From Gaffney, SC on January 30, 2009
by Warren English From Raleigh, NC on January 30, 2009
I have no problems with them.
by I Hope They Go Under! From Columbus, OH on January 29, 2009
They have mysterious "reps in charge" who are the only one's who make choices about your loan BUT you can't talk to them directly! This company is a damn joke! Hey Eddie Lyndsay from Columbus who works for Citi .. bite me! Aren't you about due for a new headset - kickass job ya got there bud!
by I Hope They Go Under! From Columbus, OH on January 29, 2009
They have mysterious "reps in charge" who are the only one's who make choices about your loan BUT you can't talk to them directly! This company is a damn joke! Hey Eddie Lyndsay from Columbus who works for Citi .. bite me your little cubicle dwellar!
by Anonymous From Jonesboro, GA on January 27, 2009
Although they suggest many solution packages, they are not willing to help you with any of them. I've been one payment behind for 5 months and tried all things, they were not willing to work with me. They call my work three times a day, they call my cell three times a day -- all for one payment behind. Half of the time I can't understand the person on the other end of the phone because they can't SPEAK ENGLISH !
by Citi Hater From Acton, CA on January 26, 2009
Due to the current economic crisis our work cut our over time A total for me of (50,000)annually. So i contact citi back in Oct 2008. The first thing they said is that they would differ 3 payments for us. After re-contacting them to make sure the payments were going to be differed they told me they did not know what i was talking about and that they do not do that. So i then stopped paying my payments and finally got somebody to take me serious. Nov 2008..... Now after calling them every week they then forwarded me to Loss mitigation for a loan modification. From there they told me they would be able to modify my loan to a two year loan so we could catch up and pay off some credit cards. After 2 months of waiting and talking to them they told me that i was getting a new contact to help me out. Jan 1, 2009... I now contacted my new guy in Loan mitigation and he told me basically citi has already been paid for my house by the government bail out and why should they help out. I was furious and don't know what to do. They then told me to wait another week and they will try to modify my loan Except there idea of a loan mod was 250.00 higher then i was already paying. I didn't know where to turn so the loan mitigation guy told me to contact HUD.gov. Hope for homeowners.. OK what a joke that is first of all Citi doesn't even recognize Hope for homeowners. So after chasing my tail for 2 weeks with HUD and FHA I got no where. So i then had a counselor from hud contact CITI for me and i was connected to a department called Home Owner Preservation. Yup another joke they told me that since i wasn't making more then i was paying out then they couldn't help me... WTF,,, this company is full of idiots .. No &^%$*% I know thats why I'm calling for help.... F*&)* CITI MORTGAGE you can have my house at this point for the price I'm paying i could be living on the beach. Thats my story and I'm sticking to it.....
by Allen Jones From Philadelphia, PA on January 26, 2009
Citi mortgage offered ,No apparent reasoning as to why they won't refinance my loan/mortgage.
by Anonymous From Brooksville, FL on January 23, 2009
by marzena barnas From Belvidere, IL on January 21, 2009
by Anonymous From Trenton, MI on January 21, 2009
by Jenese Castro From Tomball, TX on January 20, 2009
I have had no problems with Citimortgage
by Doreen Wright From Burlington, WI on January 20, 2009
They are imposible to speak to a real person hold time is greater that one hour just to get disconnected or transferred several times to a dept that is not open at the time. I have faxed, emailed, snail mailed , and phoned. They do not want to answer or help.
by John From Erie, PA on January 17, 2009
I attempted to refinance with Citi Mortgage, and I had a bad experience. I was assured I had received "final" approval for my refinance. BUT ... I had to fork over $250 for a "rate lock" fee. I did so. Then, lo and behold, a condition arose that had to be satisfied before closing. Specifcally I had to scrape off peeling and chipped paint from the outside of our home (it's an FHA loan). Hello!! We live in Erie and the winter is record breaking for cold and snow. When the h-e-double hockey stick am I supposed to do this work????????? Then, Citi Mortgage increased the proposed loan amount by $2,000 over their previous estimate. That would have meant refinancing an under $76,000 mortgage for ... get this ... $83,000. The "explanation" I received was that the loan payoff amount had changed (yes ... it was LOWER because I make my payments on time you idiots), and because of the appraised value of the house. Neither "explanation" made any sense at all. These scam artists promised full approval, took my $250 and then made the loan unworkable. I would suggest people avoid this bunch of con artists at all costs.
by B From Pinehurst, TX on January 14, 2009
They didn't help us, we tried their "solutions package", that was just BS! So they foreclosed, well I get a 1099-A stating the fair market value is $30,000 less than what we bought the home for and $20,000 less than what they are trying to sell it for! And of course the phone number on the form is DISCONNECTED!!!!!!!!!!!!!!
by B From Pinehurst, TX on January 14, 2009
They didn't help us, we tried their "solutions package", that was just BS! So they foreclosed, well I get a 1099-A stating the fair market value is $30,000 less than what we bought the home for and $20,000 less than what they are trying to sell it for! And of course the phone number on the form is DISCONNECTED!!!!!!!!!!!!!!
by Anonymous From Lancaster, TX on January 14, 2009
by mickey gooding From Batesburg, SC on January 13, 2009
i am facing foreclosure and have spoken to several different rep & faxed paper work 3 times since i lost my job in 09/2008 after 15 years with the company. Know one seems to care or help.
by Anonymous From Alsip, IL on January 13, 2009
by E. J. Bermudez From Dallas, TX on January 12, 2009
I am simply trying to get a resubordination request done on a HELOC for a refinance. Nobody picks up the phone. 2 hours plus wasted on hold. Does anyone have a phone number for a human being?
by Mary Kroeger From Plymouth, MI on January 12, 2009
by Deborah Lukasiewicz From Baldwinsville, NY on January 11, 2009
by Raul Collazo From Staten Island, NY on January 09, 2009
by George Strnad From Rancho Santa Margarita, CA on January 09, 2009
by Anonymous From Sebring, FL on January 08, 2009
We have tried twice to do a workable solutions program with no success. The mortgage company failed to process the paperwork or neglacted to contact us with the proper paperwork.
by angela From Ladson, SC on January 08, 2009
citi mortgage will hide yor money and give you the run around. GET LEAGAL ADVICE I HAD TO
by angela From Ladson, SC on January 08, 2009
citi mortgage will hide yor money and give you the run around. GET LEAGAL ADVICE I HAD TO
by Anonymous From Santa Fe, TX on January 06, 2009
by Anonymous From Conway, AR on January 05, 2009
they keep telling us that we have to be current before the can do anything....
by Peter Cox From Janesville, WI on January 03, 2009
by Joyce Pruett From Ellijay, GA on January 02, 2009
In June of 2008, I was told that the 5200 dollars I had sent could be applied to back payments and the rest deferred to the end of my mortgage and we could start fresh on July 30,2008. So I paid other bills and prepared to start fresh with my mortgage. I asked the agent Rahel if she was sure, she said yes she was sure. Two days later she called to say it couldn't be deferred and I needed to send over eight thousand dollars before June 30. I was never able to catch it up and I told her since the calls were recorded she needed to go back and listen to the assurance that she made me. She refused to make good on her word
by Lester Floyd From Lumberton, NC on December 31, 2008
by Anonymous From Sterling Heights, MI on December 30, 2008
by Anonymous From Wisconsin Rapids, WI on December 30, 2008
I am facing foreclosure and CitiMortgage WON"T help me.
by Amy Hallett From Pensacola, FL on December 30, 2008
I have been trying to talk to someone in your mortgage department. The person i spoke with - was extremely extremely RUDE with absolutely no compassion about what i am trying to request. I believe the maintenance person has more compassion than this. How dare you have someone on your team who does not understand what is going on in this world today.
by Anonymous From Canton, NC on December 30, 2008
I have been so upset with this company. I have tried to talk to someone but every single number is disconnected. I was behind one payment and received a letter. The day I responded to the letter I had just received the number had been disconnected. I went to their website and tried the numbers there but they had also been disconnected. I need to use some of their baleout money to pay their phone bills. The government should get involved to make sure consumers get as much help as possible.
by Alma Garner From Hockley, TX on December 30, 2008
by 7 From Casa Grande, AZ on December 29, 2008
I work for citi and my advice would be pay your dam morgage and we won't call you
by Eddy Lindsay From Columbus, OH on December 23, 2008
I have had some problems with my employment,I have some angencies helping me.
by Connie Norman From Toledo, OH on December 23, 2008
by Gladiz Valencia From Orlando, FL on December 18, 2008
by Anonymous From Garden City, IA on December 18, 2008
I'm treated like just another number in line.
by cynthia kwiatkowski From Winter, WI on December 17, 2008
the worst company I ever had to deal with. All I want is my escrow check to pay my taxes on time and They will not give it to me....
by Anonymous From Bushkill, PA on December 15, 2008
by Anonymous From West Sunbury, PA on December 12, 2008
by Anonymous From Maitland, FL on December 12, 2008
by Anonymous From Wallingford, PA on December 10, 2008
they would tell us not to worry and they would help us and then we get a foreclosure notice. no one you talk to knows anything. very frustrating. we have pages of phone records of us calling them for assistance
by carol michael From Arlington, TX on December 08, 2008
i called over and over spoke to over 10 reps not even 1 person could help me about my situation..they refused for me to make a pymnt as well hoping to gain more money out of me.....
by Anonymous From Henryville, PA on December 06, 2008
by jeanpierre schlegel From Phoenix, AZ on December 03, 2008
by jeanpierre schlegel From Phoenix, AZ on December 03, 2008
by bill From Centerville, MA on November 25, 2008
They actually lie to you over the phone and then they say "Even if we did lie to you, you still have to pay". Do to health and job problems, I fell behind in payments and they put me on some sort of a catch-up program for a few months. I was led to believe I would be current after making four payments. Two weeks after I made the fourth, they called me again and said I was way behind and had to make up payments. I fell for it and did it a second time and the same thing happened. I have stopped paying anything on the account.
by Anymous From Vancouver, WA on November 25, 2008
I have been getting the run around from citimortgage for over a month. They suddenly decided that I hadn' shown proof of insurance for 2008 or 2007 so they began taking out an additional $120 a month. I gave proof of insurance for the past 3 years and they just can't seem to take the charges off. Refinance, they don't care about their customers- I'm in goodstanding and they are making up things to over charge me and won't refund my money and continue to take out the extra $120 a month. I will be refinancing ASAP. The people are rude, don't know what they are talking about, change their story every time I call, and the men from India have been very rude to me because I am a woman. I am forty years old, I don't need to be talked to like I am 4 years old. Please, someone help us take down this company.
by Anonymous From Wilmington, DE on November 24, 2008
i filed for bankrupcy two years ago to this day citi will not report any of my payments to the credit bureau my problem is my mortgage was not included in the bankrupcy someone help me i need the credit score
by zak elyasi From McLean, VA on November 24, 2008
by Anonymous From Cleveland, OH on November 22, 2008
They have so many forclosures you can't get through to anyone to discuss problems - submit in writing and wait 30 to 45 days when they have an attorney file for forclosure on the same date they mail a notice.
by Anonymous From Greenwood, AR on November 20, 2008
by Robert Tran From Hamilton, OH on November 19, 2008
by Anonymous From Cartersville, GA on November 19, 2008
by Erik Wulf From Moreno Valley, CA on November 19, 2008
by Theresa Dotson From Spotsylvania, VA on November 15, 2008
by Steve Scharrer From Howell, MI on November 10, 2008
I have not contacted them about this yet. I'd like to understand my options better and how to best leverage from my position. From where I see it, it would cost them 2-3 times as much to forclose as it would cost to help me stay in the house. Please advise. Thanks, Steve Scharrer
by Angela Scott From Apopka, FL on November 07, 2008
by Anonymous From Harrisburg, PA on November 06, 2008
They did nothing wrong. It was me.
by Katherine Walton From Northport, AL on November 05, 2008
We were not aware that foreclosure was this close. We did not receive letters or phone calls letting us know foreclosure was coming.
by Anonymous From Lowell, MI on November 05, 2008
by Anonymous From Hamilton, NY on November 05, 2008
Same ripoff of former ABN AMRO ewcrow fund
by John Johnson From Clermont, FL on November 03, 2008
by Anonymous From Jacksonville, FL on November 01, 2008
This the WORST mortgage company I have ever dealt with..They bought our mortgage from Delta Funding....they won't do a loan modification..they won't re-finance...our interest rate is 11.69!!! They told me we had to be 3 months behind in our payments BEFORE they could do anything....they are horrible!!
by Justin Sutterfield From Sherwood, AR on October 31, 2008
by Ronnell Simmons From Newark, NJ on October 31, 2008
by Danette Niederkorn From Harris, MN on October 30, 2008
by G Whitacre From Temecula, CA on October 27, 2008
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
The Citimortgage company is very unfair and not willing to work with consumers to help bring their account current if they have falling behind on their monthly payments.
by Anonymous From Lynn, MA on March 28, 2008
by Anonymous From Apache Junction, AZ on March 27, 2008
The lady I talked to when I needed help was great. She understood that people have problems
by Anonymous From West Linn, OR on March 27, 2008
All they seem to care about is the almighty $$$. I was stuck with this company through a company called residential acceptance network. These guys stink worse than the mortgage company
by Anonymous From Peoria, AZ on March 25, 2008
will not even talk to you - they hang up on you - do not care about people only $$$$
by Anonymous From Spokane, WA on March 24, 2008
by Anonymous From Alma, MI on March 24, 2008
by jerome watson From Tunnel Hill, GA on March 19, 2008
my wife left me and put behind on some bills.I told citi about my sitution.They seem to care at first until i was one month. they pound for their money.donnot care about people have promble.they just want their money.I have 2 kids and 1 job.I am be best father i can be.Now i may have to move out of the house my kids love.Citi can kiss my ass.
by Anonymous From Palm Coast, FL on March 18, 2008
by Anonymous From Portland, OR on March 17, 2008
Every month have a new account manager, I have to explain myself about 4 times a week. They harass me and tell me that its not thier credit or house and they threaten to foreclose even if they are not within law to do so at that time. They aren't there for customer service all they care about is payment. Which they have mis posted my payments several times promissed to help with an extension only to drop the ball. I have been waiting almost two months from word from the foreclosure department. HORRIBLE COMPANY.
by Anonymous From Hesperia, MI on March 16, 2008
Customer service lacks greatly. They don't seem to talk to eachother, so everyone knows what is going on with your account. They always seem quick to tell you that you are late and want their money, but not helpful at all. Almost seem like they want your house instead of your money.
by Anonymous From Malad City, ID on March 08, 2008
They are hard to get a hold of someone who knows what is going on with the loan. I had submitted a workable solution questionaire and they said they are 45 day behind working them, so in the meantime my loan goes into foreclosure.
by Anonymous From Dover, PA on March 07, 2008
by Stanford Aderibigbe From Fredericksburg, VA on March 04, 2008
They instructed me to hire a realtor and try to sell the house through shortsale only to send me a foreclosure notice the following week with only 21/2 weeks notice.
by Chris Brenner From Troy, MI on March 04, 2008
CitiMortgage is the worst Mortgage company I've ever dealt with - and I have owned 6 different homes. You can call them and explain the situation multiple times - they will tell you they are noting your comments in your file - next day they will call you to tell you you are behind in your payment (like they never even checked the notes). My wife and I ended up finding that when CitiMortgage thought WE were behind to them, we had actually OVERPAID! I still don't trust that the problem with them is sorted out. They have given us incorrect or non-working phone numbers, called us SEVERAL times to tell us about the same frickin' issue when we had sorted it out last week. We have gotten late fee notices and notices that we are behind THREE at a time! Avoid CitiMort like the plague folks!
by larry flowers From Raleigh, NC on March 03, 2008
by Anonymous From Brooklyn, MI on March 02, 2008
SINCE WE HAVE BEEN DEALING WITH CITI MORTGAGE DUE TO THE BUY OUT OF ABN AMRO WE HAVE HAD ONE THING AFTER THE OTHER. MAILED A PAYMENT IN DECEMBER SAID THEY HAVENT RECEIVED IT SO I TRACED IT THROUH THE POSTAL SERVICE. PAID THE MORTGAGE VIA PHONE 15.OO FEE. THEN THE NEXT DAY GOT PROOF FROM POST OFFICE IF WAS SIGNED FOR THE DAY BEFORE I MADE A PAYMENT VIA PHONE. WE CANCELLED OUT CHECK THAT WAS MAILED. THEY CALL US HARRASING SAYING I AM BEHIND PAYMENTS. WHEN IT WAS PAID MAKING AND EXTRA PAYMENT SINCE MISSED PAYMENT BECAUSE THEY TOOK OVER IN OCTOBER. TALKING TO PEOPLE FROM INDIA THAT CALL ON WEEKENDS SAYING THEY ARE IN COLLECTIONS. I PAID A SECOND PAYMENT OVER THE PHONE TO AN ENGLISH SPEAKING PERSON SAID I WAS ALL UP TO DATE. RECEIVIN LETTERS THAT WE ARE LATE. THE COLLECTIONS DEPARTMENT ONLY WORKS MON - FRI. SO CUSTOMER SERVICE PEOPLE WHO ARE CALLING YOU ON THE WEEKENDS HAVE NO SAY IN YOUR ACCT. STATIS. PLEASE MAKE SURE YOU CONTACT THE COLLECTIONS DEPARTMENT DURING THE WEEK BEFORE YOU GET STUCK PAYING AN EXTRA PAYMENT. PLEASE POST ANY OTHER DIFFIC\LTIES THE BEST ONE IS THAT THERE ARE NO CITIMORTGAGE BRANCHES IN MICHIGAN.
by Anonymous From Madisonville, TN on March 01, 2008
i have called and called for months and can not get anyone to help me now I just received a letter of foreclosour today now what I guess they for sure want answer my phone. I am 4000 behind I offered them 3500 and make 300 weekly they said they wouldn't take any money from me it would be sent back. they really sound like they want to help I just had heart surgery 3 months ago and a single parent of 2 I guess that don't care.
by Anonymous From Madisonville, TN on March 01, 2008
by Damien Fron From Livonia, MI on February 29, 2008
by Anonymous From West Palm Beach, FL on February 28, 2008
by Tim From Chattanooga, TN on February 28, 2008
My mortgage was originally with ABN AMRO, which was bought out by CITI. Now they have screwed up my escrow and I'm being forced to refinance to get away from them. Stay away from CITI Mortgage!!
by DUKE ROBINSON From Dover, PA on February 27, 2008
by may xiong From Beaumont, CA on February 27, 2008
by Christine Tran From Wichita, KS on February 26, 2008
I can't get a hold of anyone and keep getting the run around.
by Debra Hodges From Newton, NC on February 24, 2008
Have not contacted mortgage company or any other creditors regarding my financial delemma.
by Sean Fontaine From Calumet, MI on February 18, 2008
by Kisha Harris From Sacramento, CA on February 15, 2008
by Anonymous From Hudson, WI on February 11, 2008
I get 5 to 6 messages a day on cell phone stating I need to call a number. When I call the number I get an automated system, my account number does not work, so they say to enter my SS#. I will not enter that information, so I never can get to a person to find out what they want. All my payments are current.
by Deborah Perry From Gurley, AL on February 11, 2008
by Donna Eshleman From Andersonville, TN on February 09, 2008
I spoke with them they agreed to wait for payment until the end of January instead they sent it to an attorney now the fees etc. are killing me.
by Anonymous From Littleton, CO on February 04, 2008
CITI has the worst customer service I have ever dealt with. Their call center is located in India and you can't understand what they are saying. You ask to speak to an underwriter about your files and they tell you they don't take phone calls!!! I will never send my business to CITI again!!!
by BUBBA From Englewood, CO on February 04, 2008
CITY SUCKS THE BIG ONE!!!!!
by Laurie Bowles From Arnold, MO on January 30, 2008
by Shelly From Lincoln, NE on January 30, 2008
I had to relocate due to my job. My house has been on the market for 90 days and no offers. I called Citi and got a horrible customer service rep. She said I should probably move back to Nebraska or get a new real estate agent. They were no help at all. Supposedly she is sending me some paper work. But after reading all these comments I am not sure that will happen.
by Anonymous From Hancock, WI on January 29, 2008
They are not friendly at all. When you try to explain the problem they get nasty and tell you "your going to lose your house". We were also bought by Citi and they screwed up the account and then told us we needed to make up over a $600 deficiency in the escrow because of the error. Now it's "pay us the 2 months this week and we can see about getting a 2 month extension". Don't ya think if I had the $2,700 that I would have already paid them?
by Anonymous From Temple Hills, MD on January 25, 2008
by Kurwin Forest From Buckeye, AZ on January 24, 2008
by Anonymous From Appleton, WI on January 23, 2008
by Anonymous From Indianapolis, IN on January 23, 2008
Citi Mortgage has taken over my mortgage from a local bank in 2005. When we fell behind on our payments the only solution they had was to add on to our regular payments. This was not a good solution since we were already struggling to make ends meet.
by LJR From Saint Paul, MN on January 21, 2008
Like everyone else on here, my mortgage was bought out by Citi in Oct. 2007. I was told by ABN AMRO that I would be receiving monthly statements/coupon book. Never received anything until I called them in the middle of October. They said they would mail me a statement, nothing. Finally I spoke with them on the 10th after they called me for my late payment, I asked them for a statement, they transferred me. The lady said they have never done any coupon books, they send statements. I said I wanted a statement, she said she would have to look into it, she also said she would mail me a letter that would say they were looking into the statement but could not send me a statement. I sent in my payment, but I have noticed that it has gone up $200 a month, I need to figure what that is all about, but the way they have not sent me a statement in 4 months, I am sure I will get no-where and fast.
by Charles Young From Elk Grove, CA on January 19, 2008
We are allowed contact with lower level costumer service people,we need to speak to loss mitigation.
by harold jenkins From Fisherville, KY on January 17, 2008
when i wasn't able to make my regular payment to Citi Mortgage,my mortgage was calculated out for me to pay an additional $500 per month. This increased my finical difficulties instead of setting me on the right path to catch ny mortgage up.
by Anonymous From Shirley, NY on January 16, 2008
When I submit my payment they did not accept it and put me back with my Mortgage
by phil tidmarsh From Rougemont, NC on January 15, 2008
abn amro sold our 1st fixed mortgage to citi mortgage. Lending tree sold our 2nd variable rate heloc mortgage to citi mortgage. Up to now we have not had any problems with Citi mortgage, but this last week citi mortgage has reported losses of 3.9 billion dollars - which now makes me very nervous for our 2nd variable rate mortgage
by Anonymous From Uniondale, NY on January 15, 2008
My mortgage company was ABN and they changed to Citi. This mortgage company never sent me a bill every month like ABN did. no phone calls or anything until recently they decided to serve me a Foreclosure letter.
by Anonymous From Rochester, NY on January 15, 2008
Citi Mortgage increased our payment 50% in one month from $800 to $1200. They said it was to increase the escrow balance to 2x the amount needed for taxes and insurance as a buffer against future tax increases. This makes the escrow nearly $100 a month more than the mortgage itself.
by Anonymous From Saint Louis, MO on January 14, 2008
My mortgage is with citi. I haven't even received a mortgage bill in the mail in over 6 months. I got behind with my mortgage and they gave me no options to repay other than foreclosing me. Finally, when I had the money to pay what I currently owed I could not get a hold of anyone to accept my payment!
by WILLIAM JACKSON, JR From Bel Alton, MD on January 10, 2008
by Brandt From Adrian, MI on December 31, 2007
Citi bought my loan from ABN and we have had trouble ever since. They don't return phone calls, they loose or never receive paper work sent or faxed to them and I am now in foreclosure and they have done nothing to help stop it. Worst company I have ever had to deal with.
by Melissa From Tucson, AZ on December 26, 2007
Citimortgage incorrectly posted my mortgage payment to my escrow account (why, I have no idea) and then tried to charge late fees for a late payment (even though they had cashed the check well before any late fees would have been due). I am still dealing with the issue. Very disorganized company. They bought out my ABN AMRO mortgage - which I never had any issues with. Citimorgage has been a disappointment.
by Allen Breaux From Atlanta, GA on November 30, 2007
I was involved in a serious head injury and good not work. I got behind 3 months on my mortgage and then found the money to make 2 payments, but they refused because I wanted to pay it on the second instead of the first. I was furious and asked to speak to supervisor, and she stated there was nothing she could do to help me......I cannot believe a company can operate like this and the federal government allows it to happen..I have a FHA loan
by jen From Akron, OH on November 30, 2007
abn amro sold my mortgage also and i had over $160.00 in late fees in one month the letter i received when my mortgage was sold said that nothing would change except where i sent my payment and that was a LIE! they even charge you to pay by phone and all these late fees are ridiculous. Im looking to go elsewhere ASAP.
by Jim From Charleston, WV on November 08, 2007
So far we have told one lie after another. ABM Amro sold out to these people and they put 288 dollars of our first payment in a delinquency account, even though we were never late with ABM. No satisfaction so far after 6 weeks of phone calls and fazes. They are terrible people for sure.
by Anonymous From Grover, MO on October 21, 2007
I've had the same problem as "anonymous" from Bloomfield, NJ.We were assigned a counselor, Reggie Black and he has not returned any phone calls.
by Anonymous From Waconia, MN on October 19, 2007
i am having the same problems with citi mortgage my loan was bought out by them through ABN Amro and now they are saying we owe 788 in late fees and are three months behind in late fees.i agree we are two months late but i was willing to make two payment installments in two weeks and they said no.they are threatening foreclosure.
by Karen From Miami, OK on October 15, 2007
Citi mortgage bought my mortgage from ABN AMBRo right after my home was flooded. They are holding $42,000 my home is 85% completely repaired based on their inspector No one is ever available to help you-they take a call back, which no one ever calls - to get help you have to refuse to hang up and scream. If I owed them $42,000, you can bet the police would arrest me on fraud - I am so afraid of this powerful company
by Anonymous From Dayton, VA on October 15, 2007
they are horrible. only had them as mortgage holder one month and they are trying to foreclose our property!!!!
by Tejeda From East Orange, NJ on October 09, 2007
I regret dealing with them. They have no ans. to my questions and always give me the run around. I am searching for another mortgage comp. that I can refinance. If I could do it all over again I never would have.
by Anonymous From Minooka, IL on October 04, 2007
After filing bankruptcy, CitiMortgage, Inc. was notified, even though that was a payment we kept up with. The bankruptcy was for credit card debt that after an extensive lay-off we could not keep up with and pay mortgage. When I tried to make the payment, they refused it. I could not do it online, as I normally did. I tried to make it via phone, I was hung-up on. After repeatedly calling, I was disconnected numerous times and given the 'number' I should call. NONE of those numbers was the correct number. When giving the first number I was given, I explained my problem, I was told I did not listen and was hung-up on. My mistake was not using a local bank. Quiken lending company provide quick approval over the phone, close quickly and then sell to horrible institutions!
by Catherine From Shawnee Mission, KS on October 01, 2007
I received a letter from my mortgage co abn that citimortgage was taking over my loan to make my payments to them I sent sept house payment and sent oct house payment sept 20 07 ONE day before my oct payment was due I received a payment due coupon that wasnt bad since I sent it in 2 weeks before but they tacked on $800.00 no warning nothing said they were delinquency fees where in the world did this come from there was nothing said to me from my other mortgage co. that I owed $800.00 and citi mortgage just got the loan so i know I didnt rack up $800.00 in fees but to demand it from out of no where what a way to treat a new customer I want an explanation where these fees came from and I better not show a late payment it took them 3 weeks to cash my sept payment and have not heard anything on oct payment that I sent sept 20th
by Anonymous From Saint Cloud, MN on September 17, 2007
Citi Mortgage is the worst company I've ever dealt with. Rude customer service and completely not helpful. This company doesn't provide online payments as an option. It's 2007. What a ridiculous inconvenience. I wish Countrywide never sold my 2nd mortgage to this horrible company. Do not do business with Citi Mortgage unless you like receiving a statement every month that requires you mail in a check.
by David From Billings, MO on September 07, 2007
My home was destroyed by a tornado. The insurance company couldn't have been better to work with. Citi mortgage was absolutely horrible. I would not recommend them to anyone.
by JEAN FOX From North Hoosick, NY on August 30, 2007
THEY WILL NOT RETURN MY/OR MY MITIGATION COMPANY. WHEN THEY CLOSED MY HOUSE THERE WORK WAS CRUEL IT LOOKED LIKE THEY MADE IT UP.
by Anonymous From Sacramento, CA on August 27, 2007
I applied for a 2nd mortgage through abn amro and they forwarded it on to citi. Citi does not call me back, they do not send correspondence required by law. They are the absolute worst mortgage company I have ever encountered. If I had stock in them, I would get out.
by Anonymous from North Carolina From Advance, NC on August 04, 2007
Working with Citimortgage has been a nightmare. I made an electronic paymeent in May 2007, to bring my balance to 0. They got the money (over $2000), but never posted it to my account. Now in July 2007, they have placed my home in foreclosure. I have made mutiple calls and each customer service representatives tells me a different story. The phone numbers they give me for supervisors, etc. are out of service, or the person no longer handles forclosures.
by Anonymous From Bloomfield, NJ on August 04, 2007
They are horrible. I sent them a loss mitigation form when I first became unemployed. They said they never got it. I then had to do another one and they gave me the wrong mailing address to send it to. It went back to their corporate and then back to me and I had to fax it. This was 3 months into the fact of unemployement. They assigned me a counselor finally - REGGIE BLACK - and I left him multiples of messages and he never called back. I even left him a message telling him that I have become employed again. NOTHING. They refused to take payments during the process and now it has gone to the foreclosure process when I tried to prevent this from day one. They are horrible.
by Anonymous From High Point, NC on August 02, 2007
by Anonymous From Wilmington, DE on June 22, 2007
by Anonymous From Eden Prairie, MN on June 21, 2007
Do not call the customer service line if you want customer service, there isn't any. They are horrible to deal with. IF you have a choice pick another company for your loan.
by Anonymous From Egg Harbor City, NJ on June 02, 2007
CITI MORTAGAGE MAKE MISTAKES ALL THE TIME WITH WITH PAYMENTS.THEY TAKE YOUR PAYMENTS IF YOUR LATE AND THEN SEND THEM BACK TWO MONTHS LATER AND SAY THAT THEY CANT EXCEPT THEM BUT THEY ALREADY CASHED THE CHECK!!!!
by Anonymous From Vancouver, WA on May 25, 2007
We have been calling and faxing Citi Mortgage for THREE months and they will not return our phone calls or help us. We did as they requested and sent the loan workout only to have them lose it and we had to fax it again. Not once has anyone called us, and we call every two days only to get voice mail and nobody ever gets back to us. We are going into foreclosure in 5 days when we have been willing to work with them from the very beginning and it is because of them that this has gone as long as it has.
by Anonymous From Springfield, MA on May 23, 2007
Although Citi Mortgage has been willing to work with me, it is very difficult to get a hold of someone and they do not return messages and requests for calls. They are impeding the process of me stopping foreclosure.
by Anonymous From Cherry Hill, NJ on May 21, 2007
We refinanced our first mortgage with Citi Mortgage and had problems from day one.
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IMPORANT NOTICE – PLEASE READ There is no guarantee you will receive a loan modification. Even if you accept this offer and use our service, your lender may not agree to change your loan. Loan Modification approval is dependent on criteria including but not limited to hardship, income, debt ratios. American Foreclosure Specialists is not a Bank, nor a government agency or government affiliate. Our services are not approved by the government or your lender. American Foreclosure Specialists assists in the document preparation, working with and communication with your Mortgage Bank in the attempt to acquire an approved Loan Modification. If you stop paying your mortgage, you could lose your home and damage your credit rating. Loan Modification Plans are dependent upon mortgage company criteria and financial information gathered as part of the efforts of AFS. The information and notices contained on this website are intended as informational and should not be regarded, as financial or legal advice. AFS attempts to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. Submitting a contact request, gives AFS consent to contact you by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.