Citi Residential Lending

by Anonymous From Whittier, CA on March 01, 2010

Wow after reading all these stories I'm embarrassed to say i worked there i will not be putting them on my resume.

by Anonymous From Florence, AL on January 28, 2010

out of six months made all payments then they said i was 5 months behind i kept making the payments and ask ever month is everything ok they said yes until dec of 09 they said they wouldn't take my payment

by Anonymous From Jacksonville, FL on November 29, 2009

They are not human,stupid that's putting it very mildly. all of you should sue them.

by tony brown From Brooklyn, NY on October 06, 2009

I'm trying to buy one of their properties (short sale) as the owner has died. I cannot contact Citi Res. Go figure.

by NC From Long Beach, CA on September 22, 2009

Read the stinking document before you sign.

by Mit From Missoula, MT on August 19, 2009

I Contacted Citi Mortgage long before I had any credit problems or late payments. I had just gone through a divorce and I am on 100% Disability. What I make I could not at that rate continue to pay Lights, Phone, Food, Mortgage, Gas, and Medical needs. So I contacted Loss Mitigation dept. They set me up on a forbearance plan that after a period it would finally show me behind and thus qualify me for the new stimulus package. I was told to make all payments to the loss mitigation dept. at Citi. But What I did not know was that Citi Mortgage Collections was reporting to the 3 main Credit B.. That I had not made any payments at all. Then I was told their computers are not linked to Loss Mitigation departments. So the Credit went down hill like a snowball. My good accounts of Credit cards that were 9% all shot up to 29% and I had 2 creditors totally Close my accounts citing the recent Non-Payments from Citi Mortgage. I have been totally screwed by Citi Mortgage. Being disabled and now after all this time I am now told that my credit score may decide whether or not I qualify for the Stimulus Loan. I just can't believe a Business like this is allowed to operate in the USA and get 35 Billion from the Tax Payers and then use that money to buy up Chinese Banks instead of Helping the United States Citizens out. WHAT IS THEIR CREDIT SCORE AFTER THEY BILKED THE TAX PAYERS????

by Heather (former Ameriquest, AMC and citi employee) From Huntington Park, CA on August 05, 2009

We have done our best to try you save these homes that were 60 days delinquent. However when we tried to contact the homeowners about their defaulted loan we would get rude responses and we tried to help all you Damn homeowners and all we got has a rude answer and that's it. Then when the loan became 90-91 days delinquent that's when I came into the picture read all the notes on the delinquent loan and I would see the property vacant I would lock the prop to protect the value of the home and once again the homeowners would call asking why we locked them out? First the property is vacant and delinquent and then that's when we rcvd calls of all you RUDE HOMEOWNERS asking as to why the home was locked. Pay the Mortgage and the you won't be in this situation!

by w.smith jr. From Cleveland, OH on July 18, 2009

Citi residential lending mortgage company is the worst mortgage company in the U.S. They are some of the worst people I have ever had to deal with. They are a bunch of crooks with jobs and could talk all that baloney over the phone when they do answer it,after selling out to american home mortgage now they will not answer at all. I see why people go OFF now.

by christopher ayres From Houston, DE on July 12, 2009

by sam snead From Carnegie, PA on June 27, 2009

i can't believe the banking commission allows this company..citi residential..operate.

by Rodger Michael From Hemet, CA on May 30, 2009

by Anonymous From Sarasota, FL on May 20, 2009

by Pat From Ozone Park, NY on May 13, 2009

They did the same to me from Ameriquest to Citi to American Home .In feb 2009, they said they consolidated and mail my new payment to AHHC on Feb 15- I sent 3 payments since I received my income tax to be ahead and now they are telling me that they have to find out where my $9600 is and also now they want a payment of $31500 ??? They are Crazy

by anita johnson From Wilmerding, PA on May 01, 2009

by Neisha Rougely From Lancaster, CA on April 28, 2009

by Ian Henderson From Lancaster, CA on April 28, 2009

by charels manson From Rancho Cucamonga, CA on April 07, 2009

all of you guys that are blaming citi because of poor customer service and mortgage payments that are going up, you guys are stupid... read the print before you sign your loan documents.. if you are on a 2 or 3 year adjustible and after that time it goes up its not their fault.. Its all of your fault!!! don't blame them blame the real estate market... they try to help people with "GOOD" credit scores with their payments... but bottom line most of you guys probably don't even deserve the type of interest rate that you received...

by Anonymous From New Port Richey, FL on April 04, 2009

I also tried to refinance with Citi Mortgage because I had an adjustable mortgage already with them, which went up $300.00 a month, I am current on my loan and have not been late on any payments since I have had a mortgage with them or any other company. When I tried to refiancne they said they would do the refi if I came up with $15,000.00, (the vaule of my house went down and the closing cost) If I could afford to give them the $15000.00 I would not be refiancning with them, I would go to someone else. When I tried to get my apprasial from them I had to go thru hoops to get anyone to listen to me, the only way I got any where with them is to fax them a letter threating them. Any one I spoke with there just put it off on someone else and no one could help you. They would not help me with a loan modification, no one wants to hear anything. I have had several problems with Citi Mortgage and no one cares or is there to help when needed. They totally messed up my escrow account sending me the money that should have paid my insurance premium, then increasing my monthly payment to adjust for the difference. I returned the money with a letter explaining in great detail that the money needed to go back into my escrow. When I verified what was suppose to be done with the money, I found that they applied the funds to reduce the balance of the principle of my loan. I had to contact them several times to get this corrected, then I received a letter from my insurance company that my insurance was going to be cancelled because of non payment. What is going on with Citi Mortgage? Are they totally losing it, they do not want to listen to anyone and they know everything, but they really know nothing and are out to get their customers. This is totally unexceptable. I am working with another company presently hoping to get out of doing business with them. I think the government should step in......

by Flutz From San Leandro, CA on March 21, 2009

This bank do not reply whether they accept your bid on foreclosed properties or not. Very unprofessional|

by Amaryllis Rodriguez From Bridgeport, CT on March 18, 2009

I am a real estate agent in Connecticut and I have to say this bank and Countrywide are the worst banks to deal with. I am trying to do a shortsale for my client but its impossible with this bank. They send you from one department to another. They changed the locks and no one has a clue who changed it. Banks stop being greeding get what you can, its only going to get worst.

by mark From Tucson, AZ on March 17, 2009

They refuse to renegotiate my loan although I made enough money and had a very decent credit score. So like so many other americans I said screw them and let them take my house. Believe me any and everything I can unbolt from this house is coming with me and I suggest everyone else do the same THEM!!!!

by cj From Chapel Hill, NC on March 01, 2009

i kno wher ur coming from.all this happened 2 me.i called the HOPELINE that i found on the HUD website and they are working with me right now.they have several different programs to help people.i stronglt urge u guys to call them

by Anonymous From Terry, MS on March 01, 2009

they have strung us along until they have sold our mortage and now I don't know if it is foreclosed on or not.

by Regrets Homeownership in NY From Bloomingburg, NY on February 25, 2009

We had Ameriquest then Amc then Citi now American Servicing.They are down right preditors!!Stay away! We are in foreclosure will be homeless very soon! No one tried to help us.We got lied to and the run around.My husband had a stroke he is only 45-they are heartless.It is true that they are more aggressive to people who have equity etc.I put down $100,000.00 on this house to some people it is a drop in the bucket- and now I loose it. My husband lost the payments he made monthly.From here on out I will never ever want or desire to own a home! Even though this was our second home.As for the comments on buying a home you could'nt afford that is wrong people can but things in life happen!!Let us know when things happen to you and how your financial situation changes because it does.And as for the mortgage broker saying they are okay you are just like them-predators! Don't tell me you that you are not. By the way if anyone is looking for a mortgage or to re-finance do not go through COLTRAIN FUNDING,LLC they are located on Long Island phone number is 631-851-4420 they are hungry predators!!May things get better for everyone.

by Mike From Yuma, AZ on February 24, 2009

My problem with Citi Residential is slightly different than most of these posts. I was in the process of purchasing a foreclosure that Citi Residential owned. We were under contract to close on or before the 17th of February. On the 3rd of February we get a call from our realtor to go to her office to sign off on all the closing paper work. After signing all the documents, they were sent via mail to Citi Residential for them to sign. We wired about 17,000 dollars to the title company for the down payment, closing costs, etc. We called our land lord and advised him we were vacating the rental at the end of february which gave us plenty of time to move and do what was nessasary. I get a call from our loan officer a few days later and she tells me that Citi Residential sold the loan to American Servicing Co., and there would be a black out period until the 19th of February in which no papers would be signed by the new owner of the loan. I don't understand how or why Citi Residential could sell a loan that was under contract and was going to close in a few days. My interest rate that I got at 5.00 percent expired on the 17th and my loan officer sayed if I wanted to keep the 5.00 percent interest I would need to pay $900.00 for a 10 day extention. So I went for it. The 19th comes around and still no end to the black out period and nobody knows when its going to end. I recently was told it would end on the 26th of February, but it could be many days, or weeks, possibly months before I can close on this house. I have to be out of my rental on the 28th with my 4 kids and a house full of stuff. I blew 900 bucks for a 10 day extention on my percentage rate which isn't going to happen. If I would have broken the contract with Citi Residential I would have lost $2500 in earnest money. But there's no penelties for Citi Residential braking the contract and costing me thousands of dollars on higher percentage rates, rental fees, and not to mention the few houses I was also interested in that have since been purchased. I realize I'm not in the same situation as a family being forclosed on, but I needed to vent my anger at citi residential for being a poorly managed corperation.

by Kenneth Jefferson From Fontana, CA on February 17, 2009

No attempt was made to help I sent in the modification paperwork over an over and got the run around the attorney assigned to the sale no longer even worked for them this is horrible what can i do

by Currently With American Home Mortgage From Jamaica, NY on February 16, 2009

I HIGHLY recommend you refinance your loans with a bank like Chase (someone that will not sell your loan to someone else). American Home Mortgage is just as bad as Citi. They do answer the phone, but take months and months to maybe fix the problems that they have caused. They paid our BUILDINGS taxes , which was 68K, this gave us a negative Escrow. It took over 4 months for them to clear this mistake, and they recently paid our buildings taxes AGAIN. IT IS A NIGHTMARE. Pay the new closing fee's, it is going to be worth it.

by SANDRA DARROUGH From Saint Louis, MO on February 14, 2009

Citi uses stall tactics. They had several good offers on my home and we acting they were ready to sign the contract to avoid a foreclosure. The next week I found out they sold it to American Home Servicing Mortgage Co.and I cannot talk to them about the possible sale for another month. Now my file has been sent to a lawyer for foreclosure and US Bank (who also was agreeing the short sale) sent me to collection. Now it will be in foreclosure and they will probably $25,00 get less than the sale contract. WE NEED TO START A CLASS ACTION SUIT AGAINST CITIRESIDENTIAL!

by Jennifer From York, PA on February 10, 2009

Our nightmare with Citi Residential Lending is like most of yours. We tried to avoid foreclusure but no matter which way we turned Citi would not cooperate, they always used stall tactics. They bought our loan from AMC. AMC screwed us by sneaking in a prepayment clause and doing our income wrong on the refinance. They requested W2's from us but they did not use them they put stated income and they loaned us more then we could afford. We tried to work with Citi to avoid foreclosure and everytime they used stall tactics. It was such an emotional roller coaster ride with them. One week it sounded like you could save your house and the other you were going to lose it! This went on for six months! We did everything they asked of us for a loan mod. We even had to apply 3 times! Consequently we lost our home, but they didn't even do that right! They gave us no legal notice of a lock change. We had no communication from them at all. They locked us out of our house 12/30/08 only 23 days after the sheriff sale. Deed was still in our name transfer did not happen. In PA we are to be given at least 30 days written notice of lock change. They threatened to prosecute us for taking our appliances, i.e., fridge, stove, washer and dryer. We left the built ins! The only claim they have to appliances is built ins! We had to see an attorney to be able to get back into our house and get our stuff! I gave Citi an offer to bring our loan back down to its original principal balance ($202,000), just to get rid of their $25,000 in fees. As I told them they would not get anywhere near this offer in a foreclosure and that foreclosure didn;t benefit anyone. Now they have amy house listed for $179,900! Thru all of this we have lost our home, self respect, confidence and most of all our dignity. We were set up for failure to begin with! God bless us all who are going through this, let there be compassion somewhere.

by Anonymous From Cleveland, OH on February 10, 2009

I haven't received any statements either. Someone is lining their pockets real well.

by Anonymous From Milford, MI on February 09, 2009

by Oswald Hutchinson From West Palm Beach, FL on February 09, 2009

They are rude, impolite, and incompetent. I asked for information regarding the parameters of the loan re-structuring after being called by a collections agent. She summarily told me that she cannot provide that information until I have paid the outstanding balance. Her name was Ms. Love. She informed me of the denial of re-structuring even though she did not work in that department and when asked, she would not transfer me to that department to discuss my own mortgage. She boldly spoke for another department that was not her own. They sold my loan to another company before I got the letter of decline.

by Regina Duvall From Owenton, KY on February 05, 2009

I contacted Citi-residential first of the year, they said they would be happy to assist me in refinancing and even sticking my late payments on the end of the loan. I got mail the other day that said they were selling to another company. Now they don't return any calls.

by Renee Stewart-Betten From Thonotosassa, FL on January 30, 2009

They take advantage of people who are not in the mortage business. amerquist would not work with me, amc would not work with me, and now citiresidental, wont work with me, my credit is bad and thats due to being laid off and our poor economy. I hope you can help us resolve this mess.

by Anonymous From North Aurora, IL on January 30, 2009

by Angry Person 3000 From West Bloomfield, MI on January 29, 2009

The idea that the bank will not help is strange. This appears to be some type of plot to take American homes. We all need to do whatever we can to save our homes. If this means all filling Chapter 13, than do it!

by Ann From Farmington, MI on January 29, 2009

File 13 and save your home!

by vicki garrett From Thomaston, GA on January 29, 2009

I have had the same problems as the rest of you...(Ameriquest to AMC to Citi) After buying owning my home for 12 years, financed with a local bank, I remarried. Apparantly, when I married, I assumed ALL his credit problems as well. So after more problems with the husband, we separated, which left me in a huge amount of debt and repairs needing to be done to the house. so I re-financed with Ameriquest, with the plan to convert to a fixed rate in two years. Of course, after two years, my mortgage was held by Citi, and they weren't re-financing, or modifying loans. The had major surgery and was out of work for six weeks. Of course, this put me behind on all my bills, I spoke with Citi several times, trying to get a payment holiday, or something, to no avail. Customer service is the worst, They wouldn't return my calls, BUT they were constantly calling me at my job, even after being told by me and my boss not to call anymore, which is against the law. Things became worse, to the point of having to file Chap 13, just to get them off my back. Its been over a year, one payment was made 10 days late, the rest have all been on time, but after the one late payment was paid and subsequent ones made on time, I get a letter from my attorney stating that because of the one late payment, Citi had hired an attorney and I now had to pay $198.00 per month for 6 months to pay for this attorney. Needless to say, I cannot get financing from someone else because of the bankruptcy. I am now working two full time jobs just to keep my home. And repairs need to be done...heating, roof, septic, floor damage...I have spoken with someone via e-mail about a modification now, since the bailout, and was told to contact the bankruptcy dept, that I could get a modification. My attorney has to do this, because of the bankruptcy, So she was to contact them today. NOW, yesterday, I get a letter that another home mortgage company, AMERICAN HOME MORTGAGE, will be servicing my loan as of 2-11-09. I wonder if this is Citis way of making more money? Instead of modifying loans like they're supposed to with the bailout money, they just sell them? Has this happened to any of you? Does anyone know of American Home Mortgage? I am presently drafting letters to send to my congressmen, state representatives, BBB, and anyone else I can think of.

by Anonymous From Killeen, TX on January 29, 2009

Citi Residential DOES NOT return phone calls. Why send out letters with contact info if they can not return a call. My husband and I own a small business and as we all know things slowed down. I called to see if there was anything that they could do to help (in forebearance agreement), and was told to sale off anything of value or ask family and friends to help. I was very offended. Today I get this letter stating that my loan was sold to this AHMSI company. GREAT!!! Now we have to go through this all over again. Hopefully they will be more helpful. CITI Residential is as useless as ...........

by Anonymous From Killeen, TX on January 29, 2009

Citi Residential DOES NOT return phone calls. Why send out letters with contact info if they can not return a call. My husband and I own a small business and as we all know things slowed down. I called to see if there was anything that they could do to help (in forebearance agreement), and was told to sale off anything of value or ask family and friends to help. I was very offended. Today I get this letter stating that my loan was sold to this AHMSI company. GREAT!!! Now we have to go through this all over again. Hopefully they will be more helpful. CITI Residential is as useless as ...........

by Anonymous From Sun City, CA on January 29, 2009

No one should be suprised ! they bought Ameriquest and the same pepole are runing it. Just a different name

by Crushed From Mokena, IL on January 27, 2009

My husband & I applied for the loan modification. After many months of sending in paperwork, phone calls etc., we were told we would be accepted. Today, we received a call from Citi Residential that our loan will be sold to American Home Mortgage on February 11th 2009. We have tried so hard to keep our home and only to realize that they were "stringing us along" the entire time. Shameful! We are devestated. We will be losing our home. This is a case of Bad Companies happen to good, honest people.

by Crushed From Mokena, IL on January 27, 2009

My husband & I applied for the loan modification. After many months of sending in paperwork, phone calls etc., we were told we would be accepted. Today, we received a call from Citi Residential that our loan will be sold to American Home Mortgage on February 11th 2009. We have tried so hard to keep our home and only to realize that they were "stringing us along" the entire time. Shameful! We are devestated. We will be losing our home. This company is terrible to work with.

by irven schneider From Charleston, SC on January 27, 2009

citi does suk big time and i agree with everyone i just reviewed. i should have never, never, took up the offer, ( want to buy a home of your own?) we can finance it for you. you have been prequalified. back in dec. 03 we applied for the loan, and closed in jan 04. and to this date have been screwed by ameiquest, amc, and now citi residential lending. however they where great to me in prossesing the loan. then in 2007, started screwing me over without a condom. now i'm facing a forclosure for the 3rd time, because of there office personel malfumalfunction disorders. they care about there own well being, not those that work there ass off to keep there home. now,no thanks to them basterds and bitches, our home of (5), our home will be sold 2.04.09. to the highest bidder. i worked my ass off, for a home for my family, and now because of there bullshit, i'm tryin to save it.they have sophisticated caller id, name, number, and reconized numbers, and ignor your calls. i don't have the (high teck) equipment to record them like they do me. god help us.

by JEREMY From Milford, DE on January 27, 2009

SAME AS ALL OF YOU THEY WOULDNT RETURN CALLS BUT SAID I QUALFIED 2 WEEKS AGO NOW THERE SELLING TO AMERICAN AND THEY HAVE A LOT OF FORECLOSURE LISTINGS ON THERE SITE

by ellis roberts From Stuart, FL on January 25, 2009

by Doraina Clanton From Rossville, GA on January 21, 2009

by Anonymous From Antioch, CA on January 21, 2009

by Anonymous From Jackson, MS on January 21, 2009

I contacted CITI prior to me falling behind on my mortgage and asked for a loan modification. I spoke to a different rep each day in the Office of the President. Several rep advised that I did not need to make any payments since I was going through the modification process. Good thing that I saved my money because after three months of non-payment,they contacted me and advised that I didn't qualify for the modification and that I needed to come up with a deposit of $2200.00 to prevent foreclosure. I paid that and then they wanted to put me on a plan to catch up the remaining 1 payment. I agreed to the program and now they have taken all access from me online and I don't receive a monthly staement from them. WHAT ARE THEY HIDING? I have to send all payments certified through the mail which causes extra money. So if they are trying to help, why can't you pay online and save a $14.00 express mail fee. This company sucks but I have faith that things will get better for me and I am going to re-finance with a different company.

by Karen MacKall From Grove City, PA on January 20, 2009

by freedom isn't free From Nappanee, IN on January 19, 2009

this country gets what it deserves! letting comp. like this exsist,preying on the mid class people.they don't care about any of us.like they say money is the root of all evil.we've dealt with this place b4 in 4closure bought ourselves out,ecconomy went in the crapper and now here we are back in again.they won't work anything out with ya,and are the rudest people on earth.wanna bail someone out how about middle america mr.president we are the ones that need protected from comp. like this bringing this country to its knees.GOD HELP THIS COUNTRY AND THE PEOPLE WHO RUN IT!

by Ratscatdad From Detroit, MI on January 16, 2009

What I'm Going to tell you in just a Few Seconds is a Simple and Workabe and Trusted method to Help Yourself regarding Saving Your Home. Don't Argue , Stop Calling , Stop Fighting with your mortgage company. These are Mortgage backed securities that have been Sold to Investors. Citi is just the collector or servicer of the debt. Their job is to see that the investor get their money!. It's a Contract, they can't void a contract that isn't there's. Here It Is ....... If You Want TO Improve Your Situation and Save Your Home .... STOP Calling CITI - CALL NACA .. www.naca.com. Follow their instructions , Listen - Then Act !. I did it myself and my payment was reduced $500.00 per month. GOOGLE this website , Read What They are All ABOUT. Do it Now!!!

by Dawn From Phoenix, AZ on January 13, 2009

I have had the same problem as everyone else.... City Residential lending SUCKS... Reps are rude, they do not have one program to help in todays market... I offered thousands down and a comparable monthly payment and they said no.... HOW DO YOU TURN DOWN MONEY? NOW THEY ARE SELLING MY HOME IN 2 WKS AND WILL NOT EVEN GIVE ME AN OPTIONS...THEY SAID, PAY OR MOVE OUT

by Single Mom/3 kids From Phillipsburg, NJ on January 13, 2009

WOW... this sounds all too familiar. My story is very much like everyone else in here... divorce.etc. AMC 2 year arm and the result FORECLOSURE. They say they want to help & that the nego. team is excellent. YEP.. OK...I had my loan in mod. and each day the amounts changed as well as the debt to income ratio on the house. I was told that I was just about approved and then was told that Fannie Mae and Freddie Mac chenge their percentages which kicked me right out and was declined. I thought we were supposed to get help???? Where is it?? I am constantly told that the bank does not want my home and now I only have a few weeks until my sale date which was postponed a few times. Any suggestions would be helpful.

by Anonymous From Chicago, IL on January 12, 2009

a really bad mortgage company!

by B From King City, CA on January 09, 2009

Citi Residential bought my mortgage from Ameriquets when they went belly up. I've gotten late on my payments due to medical bills, surgery on a herniated disk. Citi sent me a notice that my home was for sale that month. I was desperate and agreed to pay the 25% down and go on another repayment plan that is 640 over my regular monthly payment! When I ask about modification that won't discuss, saying I don't qualify. I get a different agent everytime even though I have an account manager assigned. He is impossible to speak to, he is only a collections agent. They are rude and unprofessional to put it nicely!

by Anonymous From Chadds Ford, PA on January 09, 2009

They kept saying that they would work things out with me and that everything looked great-until they got THEIR MONEY FROM THE GOVERNMENT BAILOUT-suddenly I didn't meet their modification requirements-10 days before sale date. They got their help where's mine?

by Anonymous From Sebastian, FL on January 09, 2009

by Anonymous From Mount Holly, NC on January 08, 2009

by barb davis From Cedar Rapids, IA on January 07, 2009

I think they are a rip off.We had home insurance through their company.We were in the flood in Iowa and lost everything.They said because we didn't have flood insurance they couldn't do anything.But like alot of people we were not required to have it.Now we are trying to build a new home and rebuild our lives and posessions plus pay their high morg.

by Jeffrey L'hommedieu From Riverside, MO on January 07, 2009

by Mario Ramirez From Del Rio, TX on January 06, 2009

by Paula Cunningham From Whitney, TX on January 06, 2009

They are rude people to talk to for any financial reason. They have to wait and see what the computer says about everything and it is never anything good.

by Kelley Gagnon From Vero Beach, FL on January 05, 2009

by Joy Curbow From Jourdanton, TX on December 31, 2008

by Anonymous From Lancaster, OH on December 30, 2008

They were originally Argent Mortgage. When they were bought buy Citi they were terrible.

by MARIA BURKHART From Rittman, OH on December 29, 2008

I WOULD DEFINATELY NOT RECOMMEND THEM TO ANYONE.

by Brian From Florence, CO on December 26, 2008

The Citi Group will listen when an injunction is placed against them on any threat of foreclosure, until such time as they can show in a court hearing why they belive they have the right to foreclose when countless customers have tried in vane to get help from the lender. Any decent law firm willing to advertise SUE CITI GROUP-SAVE YOUR HOME will ring up the customers to sue them in a class action suit as well. All it takes is one person who know what to do to start the ball rolling, and some internet blogging. My friend is trying to pay off a $200,000 mortgage and Cit Residential says they cant do it because they are being SOLD TO CHASE in January 2009 and there is no time to do it, so unless they can pay all the past due of two months now, they will go into foreclosure.

by matthew gioe From Tucson, AZ on December 21, 2008

by KELLY FITZWATER From Cascade, CO on December 17, 2008

by thomas staffier From Deltona, FL on December 17, 2008

by Anonymous From Unadilla, NY on December 11, 2008

citi residential would not work out any type of deal -- I said what if I send a partial payment every week of 3-350 until i get caught up --reply pay all or don't pay at all. Beneficial saw that I was in need of cash and hit me with high interest rate of 14.5%. I needed the money to replace heating system that failed totally. ditech was o.k. and worked with me adjusting me to bi weekly to make it easier to work with. Give ditech a 4 rating

by Anonymous From Oshkosh, WI on December 10, 2008

They reduced the time to pay back our escrow last summer. Now, all they want to do is have us pay our current payment, including escrow, plus a portion on our past due, over 6 months. That is way too high of a payment.

by MELISSA TAYLOR From Elkton, MD on December 09, 2008

MY HUSBAND LOST HIS JOB BACK IN JUNE. I HAVE TRIED AND TRIED TO WORK SOMETHING OUT WITH CITI RESIDENTIAL MORTGAGE. THE WON'T HELP WORTH CRAP.I WISH I COULD GET THE CEO'S EMAIL ADRESS AND LET HIM NO HE IS PUTTING A FAMILY ON THE STREETS!!

by MELISSA TAYLOR From Elkton, MD on December 09, 2008

MY HUSBAND LOST HIS JOB BACK IN JUNE. I HAVE TRIED AND TRIED TO WORK SOMETHING OUT WITH CITI RESIDENTIAL MORTGAGE. THE WON'T HELP WORTH CRAP.I WISH I COULD GET THE CEO'S EMAIL ADRESS AND LET HIM NO HE IS PUTTING A FAMILY ON THE STREETS!!

by Tiffany Moore From Sterling Heights, MI on December 07, 2008

by david birdsong From Byron, GA on December 06, 2008

by steve thomaschek From Waterford, WI on December 01, 2008

They tell you they are working with you and then close the door

by Anonymous From Kansas City, MO on November 24, 2008

by Anonymous From Douglas, GA on November 21, 2008

by Virginia From Camp Verde, AZ on November 20, 2008

People, WAKE UP! Do not look for someone 'out there' to help you because they are ALL crooks! The way to beat them at their own game is for ALL of us to unite and REFUSE to send them one single dime for a minimum of 6 months! THAT WILL SHUT THEM DOWN! And, it will send a VERY loud message to all big business as well as our wonderful 'government'! We have been conditioned to be afraid of these individuals, when they should be afraid of US! STOP THE INSANITY! Stop being afraid! Fight for your rights! In FACT- The entire country should just go on strike for 90 days! Don't buy food, gas, houses, cars, pay illegal taxes (income!) or subject yourselves to anymore usery that has condemned us all to indentured servitude! The GOVERNMENT should be afraid of US! BIG BUSINESS SHOULD BE TOO! STOP COWERING BEFORE THESE BULLIES! BELIEVE IN YOURSELF AND WHAT THIS COUNTRY WAS BUILT ON! I too, have a loan with these preditors! And I can attest to ALL that you have gone thru as I have experienced it as well! It is time to end this NOW!

by brit From Ypsilanti, MI on November 19, 2008

would not recommend this company to anyone the people are rude

by cgib From Houston, TX on November 17, 2008

My loan was also bought out from AMC in 2007 I have NOTHING but problems from CRL from insurance issues thru late payments and now "their policy" on handling repairs to my home from hurricane Ike. They want me to send them the check and they will disburse the money.......I don't think so!!!

by jcruz From Mount Airy, MD on November 17, 2008

Now Citi Group says they are going to stop forclsures by making a 40 year fixed rate mortgage and the payment will be 38% of your gross income. Sounds great right well I called Citi and they don't tell the news it is only for original Citi Bank Loans another wards if your loan was purchased by AMC or Argent or another bank those did not count for this program. Only original Citi Bank loans I wish they would post that in the New York times.

by Anonymous From Jacksonville, FL on November 17, 2008

We have been trying for months to do a modification with citiresidential. Gave all info, was told didn't qualify-didn't make enough money. Tried again after getting cheaper car payment and was told we make too much money. I really don't believe anyone really qualifies for these so called modifications. We have since gone with a third party to try to get somewhere with them but it is taking forever and we are running out of time. We are now 2 months behind and house is worth $40000.00 less than we owe. Seriously considering walking.

by Shane Peterson From Schenectady, NY on November 13, 2008

by julie From Big Lake, MN on November 13, 2008

I have been in loan mod for a year and have been told in 2 weeks you will hear something for about 6 months now!!! never can I get an answer from these people.

by Santana From Oceanside, CA on November 12, 2008

I just lost my house to Citi Rsidential as well, I have been struggling financially for a while. June of 2007 AMC sent out Titanium Solutions to assist with a work out solution. I never spoke with Titanium Solutions however when I called AMC they stated they received info from them. I said how I never spoke to any one. None the less I filled out the documentation to try to get a loan mod. including a letter of hardship. They never responded, they only would accept forbearance agreement. If I had that money I would not have been behind. Citi Residential I was forced to file chapter 13 none the less a financial nightmare. Although Citi Residential did not take over until Oct. 07 they are reporting to credit bureau back to March of 07. So now I have AMC and Citi Residential reporting as to mortgage loans.

by Carolyn Brinkley From Rock Hall, MD on November 12, 2008

I have a mortgage with CitiResidential and I would rate this company poor. My husband and I have called several times for help and they have said they were giving us a loan "modification" however no paperwork was received...which we were waiting on before sending a payment. The next thing I know, there's a knock on my door with the paperwork from the filing of the foreclosure. When we've talked to them they have said there is nothing they can do to help us...we need to pay our arrears or sell our home.

by Nick Fritchell From Westminster, CO on November 11, 2008

they put out this great story about putting a morotorium on foreclosures today when most of the time they won't even call you back or work with you. We got a bad loan in the first place which I can prove due to e-mails from the broker and they wouldn't even listen.

by rosetta kirkpatrick From Winston Salem, NC on November 09, 2008

by Dilemma From Miami, FL on November 07, 2008

If you thinks it's bad customer service, which I have dealt with, try to get insurance monies paid to you Citi Residential holds it hostage for months, and do not want to pay for repairs if anything happens meanwhile. Insuance is not going to pay for damages due to repairs to avoid further damages and Cit Residential doesn't care. I, the way I feel right now is to walk away. The American dream is really an American Nightmare.!

by Dilemma From Miami, FL on November 07, 2008

If you think is bad, file a insurance claim and watch Citi Residential hold your insurance money hostage! for months and will not pay for further damages, the insurance will not paid because they already paid for damages, further damage due to repairs that they paid a montha ago, it's not cover. Citi Residential will collect interest on your hard paid monies.

by Willliam B. From Canoga Park, CA on November 06, 2008

I have learned a lot from reading your stories. My ARM just reset . I knew it was going to. I never planned to keep this home past this point. But then the values plummmeted. Thanks to all of you who bought homes that you couldn't afford now my house is worth crap. I may end up going into foreclosure because I douby Citi will help me. PLEASE PEOPLE DONT BUT A HOUSE WITH UNREALISTICALLY LOW PAYMENTS ON THE HOPE THA RISING VALUSE WILL COVER YOU WHEN THE REAL PAYMENTS COME DUE IT WONT WORK AND NOW YOUVE KILLED US ALL. reading these stories reminds me of reading Anee Frank's diary.

by personal From Manteca, CA on November 06, 2008

citi residebtial lending is a company that has no regard for business law cutomer service for the loss draft dept is very rude my family suffered from a fire and signed over a insurance claim check for the repairs on are home we hired a bad contractor and dismissed him after are home not having walls after 6 months since this incident it has been 15 months and we are still not in are hoem we have hired a lawyer in o7 whom they choose to ignore also they are crooks and are trying to still the money left to finish the home while my family is still out of there home they wont get away with this forever some lawyer needs to file a class action law suite and take this company down they have no business ethics and function in papaer work illegal they dont even keep your paper work if you deal with this company it would be in your best interest to copy every thing you send them and keep your confirmation because they just make the paper work disapper and they have jobs.

by Anonymous From Westminster, CO on November 05, 2008

we kept calling they had us fax in information then never called us or got back with us on it at all - then when its too late they say "oh well we probably couldn't have done anything for you anyways"

by MARY From Tucson, AZ on November 05, 2008

I AM ALSO HAVING A VERY HARD TIME TRYING THEM TO DO A MODIFICATION. I HAVE NEVER BEEN LATE ON MY PAYMENTS.

by JEFFREY PERRY From Birmingham, AL on November 04, 2008

by VALERIE COLLINS From Moreno Valley, CA on November 01, 2008

I CALLED COMPANY AND ASKED IF THERE WAS A TEMPORARY PAYMENT PLAN TO HELP ME- AND I WAS TOLD NO - THAT I WOULD HAVE TO BE BEHIND IN PAYMENTS BEFORE THEY WOULD OFFER TO HELP - AND HERE I AM TRYING TO CALL IN ADVANCE TO PREVENT ANY PROBLEMS. AND I WAS NOT AWARE OF MY INTEREST RATE INCREASING ALONG WITH PAYMENT - WHAT A RIP OFF- THE LOAN CLOSED SO QUICKLY

by William Franklin From Capitol Heights, MD on October 31, 2008

by Anonymous From Staten Island, NY on October 27, 2008

Offered no help in lowering payments or reducing my 10.55% interest rate!!or to help me catch up with past due payments!!! Their answer to my situation was to come up with a 5,000.00 down payment and an extra 1,000.00 a month on top of my 2,200 mortgage payment. Which in itself is a ridiculous amount?

by Anonymous From Laurel, MD on October 25, 2008

CITIRESIDENTIAL IS THE ABSOLUTE WORST COMPANY TO DEAL WITH. I AM SURE ALOT OF PEOPLE WILL BE LOOSING THEIR HOMES BECAUSE NO ONE AT CITI REISENTIAL WILL HELP IN ANYWAY... YOU CAN NEVER GET A DIRECT NUMBER AND THEIR CUSTOMER CARE PHONE LINE IS HORRIBLE. SOMETHING NEEDS TO BE DONE OR EVERYONE WILL BE HOMELESS BECAUSE OF CITIRESIDENTIAL CUSTOMER SERVICE. I RATE THIS COMPANY THE WORST I HAVE EVER HAD TO DEAL WITH.

by david king From Campo, CA on October 24, 2008

They are not willing to work with me on my loan.

by Anonymous From Woodland Hills, CA on October 24, 2008

ABSOLUTELY TERRIBLE CUSTOMER SERVICE! I WILL NEVER DEAL WITH THEM AGAIN!

by anthony shipps From Chicago, IL on October 21, 2008

they told 11 months to try to work out a loan mod and come to find out they said they lost my paper work! so now loan mod was cancelled and they are not helping me!

by Anonymous From Orlando, FL on October 21, 2008

by Anonymous From Chicago, IL on October 19, 2008

I also have an loan with Citi res lending that was sold in Sept 06 from AMC that was Ameriquest that brouht us from argent back in 2004. I have file bankructy in 2007 made payments only to be told i was still behined traced the payments put into forclosure in march 2008 cant contact loss migation dept customer service told me I should have paid my mortgage on time. tried to refiance with another company told payment was late when they wasnt back in 2005. they constantly send my paperwork about my rate adjusting but when I send payment they refuse and send back. Just sent me a letter about my property taxes that was too high dont bother to call they dont pickup or eithr they transfer you to voice mail. I'm willing to do what I have to do to take them down. I had nothing but problems after problems with them. when you are two months behind and try to catch up they applied it to your previous bill making you behind another two months and this is after you made arrangement over the phone. if any one needs my help to take Citi REs Lending down contact me at nanette62003@yahoo.com.

by Anonymous From Manteo, NC on October 16, 2008

They are very demanding and not very helpful. I know that everyone needs a job but the way some of these representatives make you feel like an idiot, and belittle you because your payment is late.

by Anonymous From Forney, TX on October 16, 2008

CitiResidential is overwhelmed right now with this foreclosure mess however they really need to hire professional people to followup with homeowners to help clear us this mess we face economically within our enconomy.

by Anonymous From Scottsdale, AZ on October 12, 2008

My experience with Citi Residential has been profoundly disenchanting. We have never been late on a payment. Our insurance payment was due and I received a letter from our homeowners insurance stating they were going to cancel our policy for non-payment. I contacted Citi and they informed me that this property was a townhome, and Citi does not insure townhomes. I explained my home has been a single family residence since 1989. After another phone call I was told we did not escrow for insurance. I faxed the original documention to Citi. 30 days later I did a follow up call and was told they need the request in writing. It took them 120 + days for them to respond to me. I was forced to pay 1/2 of the insurance due to avoid cancelation. After they responded, they admitted insurance was escrowed, however, they adjusted our payment $189.00 a month. This was in addition to the payment I made to our Insurance provider. They have an overpayment on our escrow account of $1890.00. Our interest rate has gone up 2.5 points in 7 months. They will not work with us. They want us to do a short sale, but I refuse. My husband has a 750 mid fico and we are currently paying 9.125 a month. It adjusts again in April. Unacceptable. They can have the house.

by ron calvin From Santa Fe Springs, CA on October 11, 2008

they are not willing to give me any relief or options they want me to come up with 15,000.00 i can not do that

by Anonymous From Clinton, MD on October 09, 2008

by Diana From Circleville, OH on October 08, 2008

I was also financed with AMC Mortgage which was aquired by Citi Residential. Citi residential has not and will not work with home owners who are in trouble with their interest rates going up. I believe that AMC was a predatory lender after having my family member look over my paperwork last year. I have had to file bankruptcy and my attorney wants me to include the house in it because I have lost about $80,000 in equity, Yes $80,000. Citi has also refused to work with me and I feel that their plan is to let us, the tax payers, bail them out as they continue to foreclose on our properties. Think about it, the BAILOUT from the federal government (our tax dollars). why can't we refuse to give them our money just as they refuse to help us. I would encourage all of you to contact your congress rep and your state attorney general. Let's work together to take them down! I do mean bury them!

by Robert Simmons From Du Quoin, IL on October 07, 2008

by Douglas Ringold From Leesburg, FL on October 07, 2008

by Karen Underwood From Evanston, IL on October 07, 2008

by Bonnie From Northfield, NJ on October 06, 2008

I am currently looking for others who have had problems with Citi Residential Lending. They inflated my escrow account causing my mortgage payments to go up over 50 dollars a month with no explaination. Now they have lied repeatedly to me and my NEW mortgage company about my escrow holdings. I spoke with a attorney who told me to find others who want to persue action. Please let me know! My email is beege24@yahoo.com. Thanks!

by William Freenam From Memphis, TN on October 04, 2008

I am an attorney that would like to help. Will try to buy back your loan at or below cost from CitiGroup billfree1976@yahoo.com

by Sabrina From Cleveland, OH on October 04, 2008

My loan has been in the modificatin department for more than a year. I was finally able to get someone to work on it about a week ago. He (Gilbert) contacted me within two days and offered me a deal. He asked for a reasonable down payment and increased my payment by @ 300 dollars. This didn't bother me at all because taxes and insurance had been added into the mortgage amount. He asked me if I could afford the new payment and I said yes. I was very excited that I was able to save my home. I actually thanked God for making it all possible. After making the down payment, I recieved the official documents in the mail. The new payment was almost 400 more than what was presented to me. I got sick. I called Gilbert back. He attempted to lie to me and tell me that he had told me about the delinquent taxes they had paid on my behalf. Then he made the comment. "Ther're already paid and we can't change that". By the end of the conversation, he appologized for not quoting me the correct payment amount and was supposed to call me back the same day...That didn't happen. I can almost guarantee that Citi is up to no good. Whatever they are doing, is on purpose and to gain something for the company. Pure greed I believe.

by Nicholas Cuffin From Ellwood City, PA on October 03, 2008

by Anonymous From Atlanta, GA on October 02, 2008

Imagine this. Never late for 5 years but can't get Citi defer one payment during these hard times. How are we to sympathize with big business?

by Anonymous From Ellwood City, PA on October 01, 2008

by Scott B From Des Moines, IA on September 30, 2008

All the things I have read here are true for our situation as well. Receiving foreclosurepapers and no other communication. They will not talk with you and certainly will not give you anything in writing. Messages left for their "cotacts" go cmpletely ignored and unanswered. By far the absolute WORST company I have ever dealt with for any type of business matter.

by esther penaloza From Hollywood, FL on September 29, 2008

is company shouldnt be in the marketthey dont have anybody you can talk to and make sense.they do not help anyone

by Anonymous From Columbus, OH on September 29, 2008

WOULD LIKE HELP WITH A LOAN MODIFICATION

by Flustered From Browns Valley, MN on September 28, 2008

I am dealing with their lost draft department now and I must say they are the biggest bunch of liars I have ever seen or dealt with in my whole life.You try to do the right thing and all they do is lie to you. I am on step 65 one day and the next day they return me to step 9. I know jobs are at a premium with the economy the way it is, but I could never work for a company that treats their customers the way they do. In 6 months it will be easier for me to change mortgage companies, and I surely will do it. Good luck to the rest of you dealing with them, you are going to need it.

by Anonymous From Cloquet, MN on September 26, 2008

by Anonymous From West Palm Beach, FL on September 25, 2008

by Lee Bennett From Calhoun, GA on September 23, 2008

by Anonymous From Sioux Falls, SD on September 22, 2008

They will not work with you when they are holding an adjustable loan. They treat homeowners like scum. Steer clear of them! They said that they would rather eat the cost of foreclosure and loss on the house value due to the recent property devaluations than to work out an amicable arrangement.

by Anonymous From Westland, MI on September 22, 2008

They stated that they will not help me, i.e. moving 2 monthly payments to back of mortgage until I find work.

by Darrell Powe From Heidelberg, MS on September 20, 2008

by Anonymous From Biloxi, MS on September 20, 2008

Was part of class action lawsuit against AMC, received $332.00, They ued deceptive practices, did not set up an escrow account. They harrass by phone constantly. Will not work with you when you ask for help.

by Anonymous From Owasso, OK on September 18, 2008

by robin glasser From Wynantskill, NY on September 17, 2008

by Rebecca Milligan From Coatesville, PA on September 15, 2008

by Deena Amarosa From Miller Place, NY on September 12, 2008

by Anonymous From Nashua, NH on September 10, 2008

They have misread my tax bill and they are doubling my tax escrow payment. I have made 5 phone calls, mailed a copy of the tax bill along with a letter, faxed the above when I got no response from the letter, sent in my usual payment along with another (3rd) copy of my tax bill with the yearly tax amount circled and a copy of their escrow adjustment letter with their estimated amount circled. They have posted the payment with the balance posted as overdue. Worst place I have ever dealt with!!! I am going to my local bank to refinance.

by James Walger From Wallis, TX on September 08, 2008

by Venise Elledge From Detroit, MI on September 06, 2008

by Pasquale Acocella From Mount Vernon, NY on September 06, 2008

by Anonymous From Upper Marlboro, MD on September 05, 2008

by Anonymous From Chicago Ridge, IL on September 03, 2008

They wont work with you.

by Anonymous From Incline Village, NV on August 31, 2008

I haven't really run into these bad situations yet, but I imagine that the company can't be too good since they make predatory loans! My condo isn't worth (right now) as much as is owed, so wouldn't you think it would serve them best to work with me? If I have to do a short sale, they would make back a lot less than if they kept my loan. We shall see! I may end up changing my rating!

by Anonymous From Baker, FL on August 30, 2008

They do not talk w/in departments and causes much fustration on the customer. You NEVER get to talk to the same person and have to explain your situation EVERY time you talk to someone. I have yet to be able to talk to someone in the Loss and Litigation department. Email they DO NOT respond to.

by Anonymous From Indianapolis, IN on August 27, 2008

I have not received the modifacation package they said they mailed out to me. One CSR said they can not fax it and another ine said they could. Every ttime I talk to someone I get a different answer to the same questions. I feel as if they are not trying to assisit me with getting my loan back on tarck.

by Melinda McLaughlin From Pittsburgh, PA on August 27, 2008

They won't work with you, the keep raising the interest rate, they won't change the due date of the mortgage payment to match up with the paydays, they try to make you fail as a home owner. Also they call you at work all the time asking for payments even after you told them not to.

by Tam From Kelseyville, CA on August 27, 2008

Been there done that! Prayed for AMC to fall then the devil really appeared....as Citi Residential! Robbery, Theft, delusion, Usry, can go on and on. All I can say is let them take the dang house it's not worth the hassel and then let God take em down!

by Anonymous From Baldwin, NY on August 24, 2008

The worst company

by brab From Poughkeepsie, NY on August 23, 2008

I want to say that I have had very NEGATIVE experiences w/ Citi. They also bought my mrtgage from Ameraquest, which was much more easier to deal with. Actually they were Angels compared to Citi. Never get the same rep twice and theynever seem to know what the prev worker says. My mom fell behine in her mortage in January 2008 and each payment made was applied to the prev payment, by the time I releized it she was 4 months behind. I called them and they told me that $4000 was owed, and I made arrangements to pay them the following week. When I called them the day before to get the exact amount I was told that the amount owed was 13,000-up 10,000 from 4 days ago. they told me that they had paid my back taxes of 9,000 on the Monday after i spoke to them, wwwwwhich actually were not due until this Oct. Now I had to pay them $12,000 to keep the house from forclosure. I paid them that after borrowing from an uncle, and now my monthly payments went from $750/m to $1556/m. for the next 12 months and my loan will show as being in default until then. This is a very hard struggle, but b/c they decided to pay my taxes on their own before they were due (Oct) I have to make these larg payments. DO THEY CARE? NO. Each payment has been made on time. Now they have listed my house inforclosure w/ the county court house.

by david phillips From Wilseyville, CA on August 22, 2008

They treat people like crap, when trying to work with then they drag things out so their is no progress made and it costs more money and makes things more difficult when trying to save your place. {something needs to be done}

by Anonymous From West Warwick, RI on August 20, 2008

by Steven Hosek From Dingmans Ferry, PA on August 19, 2008

by buyer From Detroit, MI on August 19, 2008

Citi residential is a bad bank. i live in detroit and the listing office for the house that i want is in michigan. the bank that owns the home is citi residential. my fiance and i have been waiting for almost 2 months just to get a signed purchase agreement back from that place. they want us to be closed by aug. 26, yet they have not sent us the documents that are needed to even go into closing and it is aug. 19. And if we dont close in time they can cancel the transaction or have us pay 100/day. i do not like this bank and i wish we did not have to deal with them at all. We have been waiting almost 2 months to get a signed purchase agreement back. we believe that this is our dream home and we do not want to back out but citi residential is not a good bank to work with at all.

by Employee From Rancho Cucamonga, CA on August 18, 2008

The Management doesnt know what it is doing. Everyone knows that the management doesnt care about anyone but themselves.

by Innkeeper in Indiana From Nappanee, IN on August 18, 2008

I too have had difficulty in talking with Cit Residental Lending. We have been dealing with them for over 2 years and are desperately trying to get re-financed. After reading everyone blog it is apparent that this is a company that everyone should stay clear of. We have been threatend with foreclosure twice, and ech time have had to pay alot of money to get them stopped. We now are making payments double what we can even begin to afford and are at the point where it is impossible to keep paying. We have to much equity to let it go and i am on my 3rd week and 24 th call to get someone to talk to. If anyone knows of a good re-fi mortgage company that can help any of us get out of this Loan with these people please share your information.

by Thomas Coulter From Monongahela, PA on August 12, 2008

by Anonymous From Cape Coral, FL on August 08, 2008

I should have known better...In 2006 we contacted a mortgage broker to refinance our home which was in need of repairs and updating. He ran us through Citi which I honestly did not feel good about bcause they had done the suspense thing with my mother, forclosed on her home and stole the money in suspense...Started having issues in January because of the economy own a business that caters towards remodeling and construction. I did everything they tell you to do..I contacted the lender as soon as I knew their was an issue..Had some money came in got caught up..this went on for a few months...In May I contacted them about setting up a small weekly payment until current..They refused telling me the only thing they could do was set up a repayment for the arrearage...They did not listen when I tried to explain that our income had become irradic and I was not comfortable with this program. So May comes I can't make the excellerated payment but I know I have money comming in I knew I needed a forebearance and modification if I ever wanted to end this nightmare...so I sent in my pw to loss mediation..called when I recieved the funds to get current..The customer service lady was RUDE to say the least demainding that if I didn't make three payments (two behind one comming due) they would not take a dime..although I had the money and this was my intention It completely rubbed me the wrong way and all I could think was what a bunch of morons...Needless to say same thing happened in June this time after trying to call Citi about 20 times I gave up and called Hope Now...Whom agreed that I needed a forebearance and modification to get me current. And at first I felt great about my contact..I was told DO NOT make any attempt to get my mortgage current because they would not work with me once I did...That was 4 weeks ago..I have not recieved a package I was told to wait for from Hope Now..I was told I had a councelor with Cit whom I have yet to hear from..To be honest with you I am about to give up A. My house is no longer worth the paper B. My taxes have increased. C. I am getting hit with a huge impact fee for city water D. It would be less money for me to file BK, and come up with the deposit money needed to rent a new place for about 1/3 of what it will cost me to remain in my home... Citi has the most messed up phone systems in the world..They call me tell me to hold three times now I have waited and been disconnected and once I waited and was told the number I was trying to reach had been disconnected...What the hell is that! I do not believe that these companies want people to stay in their homes..I don't know the angle but it seems to me their is something funny going on. This issue is more than than subprime, adjustable rate BS with a crisis of this magnitude they should and could be doing more to help people out.

by Michelle From Canal Fulton, OH on August 08, 2008

My husband suffer a brain aneurysm and we fell behind on payments. I have been shuffled around to 3 different people on a loan modification with no response. I have now contacted the attorney general for help. My husband is a disabled verteran and we are being treated like crap!

by Anonymous From Southfield, MI on August 06, 2008

It seems as if they want customers to go into foreclosure because they will not make load modifications unless ordered to do so by the government. Maybe they make more more if the house goes into foreclosure than if the homeowner keeps the house.

by Holly Bembenek From Rosholt, WI on August 04, 2008

by citi employee From Rancho Cucamonga, CA on July 30, 2008

I work there and can tell you all right now that its managements fault why reps can't offer help. Citi bought out AMC and so they kept the same people working in their offices..nothing has changed...you are still dealing with the uneducated managers that ran AMC. We are all being laid off soon and so if you think they treat the customers bad they shaft the employees also. We are told now that we are not allowed to offer loan modifications because Citi doesn't have enough people to work all the files. I can't tell you how many times files get lost and paperwork is missing because the place is disorganized. Yet the customer will get a declined letter stating they never sent the info in and their house goes to foreclosure sale. If they treated the employees right then I wouldn't be posting this....

by Anonymous From Omaha, NE on July 29, 2008

by Anonymous From Littleton, NC on July 24, 2008

These people will not give an inch. They told us a few months ago they would wait and not send us into foreclosure, as they can see how hard we have tried over the years to sell, rent the house to keep up our payments, plus I have emptied our savings. NOW THEY ARE FORECLOSING ANYWAY......NOT RESPECTED FOR LYING TO MY HUSBAND.

by Anonymous From Sibley, IA on July 23, 2008

by Anonymous From Sibley, IA on July 23, 2008

by Ivan Melendez From Norwalk, CA on July 23, 2008

unwilling to work with me to resolve issue

by Anonymous From Naches, WA on July 15, 2008

Some agents were rude and uneducated about alternatives to foreclosure...sound like a strict landlord ready to boot you out; all I'm told is that we have to 'do something' by 7/11. Then, someone tells me they can put us on payment program to pay the amount of the 2 months mortgage missed over time (i.e. pay the regular mtg. payment PLUS $200 - $500 extra.) Then I'm told we don't qualify for this because our income is not enough to cover the expenses...duh!!!!

by Anonymous From Petal, MS on July 14, 2008

by kymberly call From Sandy, UT on July 14, 2008

by Anonymous From Bremerton, WA on July 09, 2008

by Anonymous From Lockport, IL on July 08, 2008

by denise henry From Copperas Cove, TX on July 08, 2008

by Anonymous From Tarzana, CA on July 01, 2008

They will not work with you. I've try to get more time I need to leave.

by Anonymous from Mansfield,Texas From Mansfield, TX on June 30, 2008

Citi Residential is only out for themselves and will not help me modify my loan. I originally had a loan thru ameriquest which was a big mistake. I have been dealing with this for 2 years between citi and ameriquest mortgage

by Monica Nevarez From Glendale, AZ on June 29, 2008

not very helpful in giving information to their customers or try to help

by Anonymous From Owenton, KY on June 27, 2008

by Anonymous From Willis, TX on June 26, 2008

i have had a really rough time dealing with these people and the horrible insureance they put on your loan.

by Elaine Mines From Jacksonville, FL on June 24, 2008

by Tammy Huntsperger From Boonville, MO on June 21, 2008

Someone needs to shut this company down!!!! Where is the law in all of this and who is out there to help people like us!?!?!

by Anonymous From Boonville, MO on June 19, 2008

I wish I would have come across this site when I first started dealing with Citi. We too are victims of them trying to force a family of five into forclosure. In January of 2008, I called them to set up automatic withdraw payments. They set them up til June. I was told at the first of June to call them and they would set up another 5 months. January, paid...February, paid...March, paid...April, they didn't withdraw and May they didn't withdraw. I didn't catch it til we recieved a phone call from a friend of ours at the local newspaper letting us know that our house was being sold at the Courthouse on June 26th for default on a loan. I was SICK!!!! I immediatley got on the phone with Citi and could never get the same answer all 4/5 times I called them. They wouldn't let me speak to any management or supervisor! They were so rude and hateful and had me in tears several times. I told them the money was in our account to just withdraw it and they refused. They told me they would never accept anything else other than certified funds from us from here on out. The two months of payments were not enough. They also charged us with Forclosure/lawyer and court costs even though all of this was their fault. So...to pull our home out of forclosure our agreement is that we would give them a $1,500 deposit and our payments will go from $649 a month to $998.80 for the next 12 months!!! How and why are these people still in business and what can people like us do? We are good honest Christian people and this was so wrong!! I just Western Unioned them the $1,500 and signed and faxed the agreement back to them. We immediatley put our home up for sale, even though we have no idea what we are going to do. On top of that our interest rate goes to a balloon note in September! Our realtor has advised us to do a short sale with these people and then rent for awhile. I actually pulled a credit report, which I've never done, and Citi already has listed on our file "Forclosure"!!! How will we ever be able to get another home with this now on our credit!?!? Like I said earlier, we are Christian people and we are having to put a lot of faith and trust into our God right now! With a family of 5 and pets that we've had for 13 years...it's going to be very hard to find a place. Can anyone out there help people like us? These companies have all their "i's" dotted and their "t's" crossed and no one can touch them. If anyone is considering refinancing with this company or possibly purchasing a home with their lending...DON"T!!!! We have lost many nights of sleep over this and I have cried and have made myself sick. We have no choice but to pay the $998.80 payments til we get this home sold. By the way...our payoff on our loan is only $66,000!!! Payments like this can be on a brand new home here in Missouri!!! If any other lender reads this and has a heart...please contact us and refinance us or help get into another home!!! You can e-mail us at thuntsperger@yahoo.com! Please put "Citi Fraud" in your "subject" box! Thanks for lending an ear!

by Jose Pacheco From Lees Summit, MO on June 16, 2008

by Barbara Sabino From Oxon Hill, MD on June 14, 2008

they're a fraudulent company taking over for another fraudulent company.

by Linda Burns From Jacksonville, AL on June 14, 2008

by Anonymous From Coraopolis, PA on June 14, 2008

by Linda From Jacksonville, AL on June 14, 2008

I am a week away from being foreclosured on. I have been trying to work with Cit-Residential since I received the foreclosure notice on 5/24/08. They keep passing me to a new contact, that wants all theh same information again. I have lived in my home for 29 years, and I do not know if anything can be done. Can anyone help?

by sheri munsey From Orlando, FL on June 13, 2008

by Mortgage Crisis From Mechanicsburg, PA on June 10, 2008

They never worked with me when I got behind the first time. This was the cause of all of this. Instead of letting me make up payments like previous mortgage companies they wanted me to pay an extra $1000 a month in addition to the regualar payment. That's impossible for any middle class person. I had to file for bankruptcy to prevent become homeless. I've been in this house for 27 years with no problems. Always paid the mortgage myself. I was sold out to this company who is horrible. I now see the reason for the mortgage crisis in our country.

by Helmena Anderson-Ganthier From Spring Valley, NY on June 08, 2008

Please help me find a mortgage company I can work with.

by Anonymous From Olmito, TX on June 05, 2008

Maybe I should inquiry about other mortgage companies since they jumped to paid our taxes before the deadline and increased our pmt. by $900 a month practically forcing us to risk to foreclosure. They had no authorization and only created more problems for us! Very unfair and unethical.

by Robert Dallara From Hummelstown, PA on June 04, 2008

by Mai Hoa Nguyen From Renton, WA on June 04, 2008

Bad Mortgage company. Bad people. I hope and wishes that I can find a better Mortgage company.

by Anonymous From Guntersville, AL on June 03, 2008

Our mortgage was Ameriquest Mortgage and has since changed names to Citi Residential. AMC had numerous lawsuits and judgments from homeowners We were deceived and lied to and promised all these good things that never happened.

by Susan From Visalia, CA on June 02, 2008

Citi took over my loan from AMC right before my ARM was re-setting in November 2007. My payment went up $550.00 and May of 2008 went up another $200.00. I inquired about a "short sale" and was told "get it listed now." The next day my home was for sale. Citi agreed to lower the asking price and my agent got an offer for the asking price. Did Citi accept the offer to sell? Of course not. The Citi Rep. provided her Senior Mgt. contact and my real estate agent called. Senior Mgmt told my agent "We want the home to go into foreclosure, we don't care." It's really unbelieveable, Citi wants your home to go into foreclosure. What is their hidden agenda? Wouldn't selling the home for the asking price that they approve be better than letting it go into foreclosure with add'l costs to them? Appears they want their customers lives and credit ruined.

by ROSALIA BILLISI From Port Saint Lucie, FL on May 25, 2008

by donna carignan From Gray, ME on May 22, 2008

by ronda ries From Newton Falls, OH on May 20, 2008

They are very rude and completely unhelpful. I thought they were supposed to work with you, but they just tell you to increase your income and pay your mortgage before anything else.

by Joan Hamilton From Eagle River, AK on May 15, 2008

I initially attempted to pay my mortgage online (as I had for the life of the mortgage prior to it going to CITI). I had not been notified of the change, and when I went to the AMC site, was shocked that I could not make my payment. That was in December, and through some life issues that followed, I have missed payments since. Their communications have not been what I as a consumer needed to help make this situation work for me and for CITI.

by MICHELE FOHT From Dubuque, IA on May 15, 2008

by Lillian Biefeldt From Hallstead, PA on May 14, 2008

by Anonymous From Cudahy, WI on May 10, 2008

In the letter I received from them they said they(Citi Residential Lending) that they are a member of this alliance, HOPENOW, and will work on getting and giving us a second chance at homeownership. I think its all a bunch of bull-crap! They lied right too me!

by lisa yates From Olive Branch, MS on May 08, 2008

I have an ARM and couldn't refinance because I remarried and he had a home he wouldn't sell. So payment kept going up I was a stay at home mom with a new baby. Then I found my dear husband in the bed with another woman. Now, I am separated and he stopped making the house payments on my house and he is living in his house. I contacted Citi and tehy say they are working on a loan mod for me. Where the payments will be lowered so I can afford it. However, this has been going on for months and still not approved and finalized so I am starting to get really nervous that it own't happen. Has anyone been promised a loan mod and then they didn't come thru?? I am scared to death.

by Bonnie Willingham From Norcross, GA on May 07, 2008

So far I have not defaulted so I don't know how they will be as I move forward. I did ask for info on a short sale and they agreed to fax me info, but have not. I would appreciate any thoughts and recommendations as to how to proceed. Thanks

by Anonymous From Roseville, CA on May 07, 2008

They need to understand the situation and learn to be more sympathetic to the situation of the customer.

by Anonymous From Snellville, GA on May 04, 2008

by shannon luker From Ridgecrest, CA on May 04, 2008

Lower level customer service are very nice, but upper management customer service are JERKS! They dont care all the want is money.

by TERY SEMANKO From Maple, WI on April 26, 2008

no service at all. Have tried to have contact for 7 months to no avail. Time to get out

by Anonymous From Charlotte, NC on April 23, 2008

They have the worse Customer Service! Especially when you call in to advise that you are in financial hardship and they reply with a cold uncaring attitude. I cried when I called them once while sharing how deep into confusion about my finances I was and seeking advice about my mortgage/foreclosure and they were of no help. I thought they may have a department that can give advise to those experiencing financial hardship, they do not. They just wanted their money. I pay my mortgage the best I can but I am late. They call but I can't and won't talk to them because they appear to not understand and of course rude. I figure I'll talk to them when I am caught up or when I have found another mortgage company to replace them. I have requested help with payment arrangements they just suggest I get the money from someone else. If it were that easy I would have done just that. Others around me are dealing with financial problems too so how can I ask anyone for assistance? I finally got help but it was through a benevolent fund through my church. They helped pay for 1 month, Thank you God! I would have imagined my mortgage company to be of the same and/or similar help, not! I hope to find a replacement soon. Thank you.

by Dawn Hansen From Lindstrom, MN on April 16, 2008

Considering my previous mortgage company, AMC, from whom I received two separate amounts for settlement of class action lawsuits -- this should tell you how good they were -- and now being taken over by Citi Residential, who don't seem much better. I am temporarily out of work due to an automobile accident, and I tried to be proactive with Citi, calling them before I was going to be unable to pay, to work something out. They have been nothing but rude and disrespectful, and have made it impossible to get by their "collections representatives" to talk to someone who can actually work out something with me. I could go on . . .

by Randy Beverage From Chesapeake, VA on April 15, 2008

I requested loan assistance from them, but was told I do not qualify under their guidelines.

by carlo devito From Philadelphia, PA on April 15, 2008

I have called my rep over 10 times and no one ever called me bad I got her in person 1 time in 3 months

by Anonymous From Rolling Meadows, IL on April 12, 2008

Citi Residential laid off all of thier employees and will soon e laying off the servicing department in June '08. Good Luck with your loans, you will need it.

by zeyn seabron From Bloomfield Hills, MI on April 12, 2008

they lied to us.

by Anonymous From Sacramento, CA on April 09, 2008

by Anonymous From San Bernardino, CA on April 04, 2008

I have comment for the person that said was bulled into a loan, first and foremost, no one can make you sign anything, they can tell you everything and anything to get you to sign, but you have the last say so, no one puts a gun to your head to sign it, if it sounds to good to be true, most of the time it is, and my advice to people is read and understand everything you are signing and if the loan officer promises you something make sure you get it in writing, once the loan is done and completed the loan officer has nothing to with it anymore. And for people that say that the customer service is horrible,may it is or maybe not but most of the customers get mad when they don't hear what they want, its not a perfect world unfortunately People need to really think and realize what they are getting themselves into,

by Danielle Sipes From Hagerstown, MD on April 04, 2008

These people are terrible. I spoke to them on numerous occasions and was literally yelled at by them. They will not work with you at all, and they do not offer any other possibilities for you either.

by Sue Brinegar Morris From Knoxville, TN on April 04, 2008

My loan was with Ameriquest, then Citi took it over. I was in a chapter 13; paid it out then Citi decided to add 4200.0 to my loan for "fees" on my bankruptcy. I am in process of sueing them in Knoxville, TN. If anyone else in TN would like to make a class action lawsuit please contact me! They are the WORST and the DO NOT work with you, they give you the run around. My email is smbsouthernbell @aol.com.

by Anonymous From Port Orchard, WA on April 03, 2008

i was bullied into my first loan and learned that the company made the loan agreement with had been sued for shameless business pratices

by Anonymous From Lillington, NC on April 03, 2008

The last two times I have tried to talk to someone concerning when I would be making a payment, all I got was if you don't do a payment over the phone, we will report you to the credit bureau 30 days late and after tomorrow, you will be in foreclosure. After this I would be receiving a letter concerning foreclosure. This was said when I told them a check had been made and they should be getting it that day. They kept insisting for me to make the payment over the phone, and stop payment on that check. I assured them that they would get it that day and they did. Then before that month, I asked them if they had gotten any new guidelines from the federal or state governments to help people out with adjustable rate mortgages, she got off on another tangent about losing your home. I responded to her with I didn't ask you that, and you all must have a script to keep reading back the same thing all the time. I'm giving the rating an average based on previous months when I talked with someone earlier, but actually they have gone to poor!

by Carrie Archibald From Saint Paul, MN on April 01, 2008

by Anonymous From Crawfordville, FL on March 27, 2008

by Alicia Odelin From Miami, FL on March 26, 2008

by Tonya From Peoria, AZ on March 25, 2008

Honestly, I will more than likely be losing my home to foreclosure but to date they have been extremely nice and helpful. I thank them for there compassion every time I talk to them. I can't afford my payments period. I understand that is not their fault.

by Anonymous From Winona, MN on March 24, 2008

by Elizabeth From Valley Stream, NY on March 24, 2008

Have patience it's better than dealing with Ameriquest or AMC. They are new, I found two angels in the company that help me keep my home one is Virginia & Kathy. They have so many people to deal with after the mess with Ameriquest & AMC. Give them time. They did help me modify my mortgage.

by Max From Granite Bay, CA on March 19, 2008

This company is a mortgage wholesaler, not a retail division of Citi or AMC. As a broker I feel this company is one of the best Wholesale Mortgage Companies left. They have excellent rates and and good programs and products. They can be a little slow. Most of the comments on this website are misdirected at this company from RETAIL borrowers who can't afford thier mtg and are barking up the wrong tree...

by Anonymous From Lake Lure, NC on March 18, 2008

We will be contacting the BETTER BUSINESS BUREAU and the Attorney General's office. I encourage you all to do the same.

by marcela douglin From Teaneck, NJ on March 18, 2008

by sheila daquil From Sacramento, CA on March 17, 2008

by Katrina Russell From Easley, SC on March 12, 2008

Citi-Residential Lending has very bad customer service. They put you on hold for a very long time and you will always get the run around. I have been lied to countless times. I have been attempting to obtain a loan modification and actually had an agreement, met the agreement, then Citi rejected it and returned my funds because "they were not received on March 1st 2008, a SATURDAY, even though I have documetation that I bank wired the money to them on the 29th and a fax confirmation where I faxed the paperwork as requested. You will try and try to work with these people but in the end you will need a mediator.

by Anonymous From Harvard, IL on March 11, 2008

Citi was OK to work with. Felt like doing me a favor. They asked what happened, injury at work and empoyer wouldn't pay 2 mo salary. Very hard to get a hold of. Their attorney in IL is rude and unforgiving. I also did the Ameriquest,AMC, Citi gig and was assured refi after 5 yrs. I tried to refi with them but couldn't after the ARM kicked in and fell behind.

by Anonymous From Mankato, MN on March 11, 2008

In January 2002 a hazardous driver almost killed my 19 year old daughter. I had just bought my first home one week prior. It took all of my remaining savings to get her through college until her medical settlement arrived 18 months later with me almost bankrupt and my credit destroyed. I was forced to refinance my loan with Ameriquest and the rest is history. Those bills and credit scores will follow me forever for loving my child and making sure she had what she needed to heal. I guess if that's the price I have to pay I will. But, somehow it has to change. Somehow those who work hard, pay all their bills, no matter how late, shouldn't be punished when life happens at someone else's hand. It is punishment. Plain and simple. These companies are no better than loan sharks. They paint a picture of helping and then stab you in the back later.

by Anonymous From Lancaster, TX on March 10, 2008

by Anonymous From Wildomar, CA on March 06, 2008

WE WERE CLOSE TO FORECLOSURE, BUT THEY PUT US ON A REPAYMENT PLAN. MY ONLY COMPLAINT IS IT'S ALMOST IMPOSSIBLE TO REACH THEM.

by Vandie Smith From Kirbyville, TX on March 05, 2008

I tried to call them a voice recording come on and say talk to your attorney.

by Bonnie Ellsworth From New York Mills, NY on March 03, 2008

by STEVE From Ontario, CA on February 29, 2008

i had my loan thru amc mortgage services and when i did my loan was not told i would be having an arm loan,failing to read the terms of my loan i started making paymnts i soon found myself struggling to make my paymnts once i called them i was told that there was nothing they can do to help me.i was upset because i didnt want to get a nite job to be making my monthly paymnts that would mean less time with my family, i asked for a loan mod and was told that they dont do them. if i had taken the time to read over my contract.(anyone knows that contracts are not to be entered lightly) i would have read and realized of my arm rate increase of 2 points.customer service made no attempt to help me get out a mess that if would have taken 20 min to read or use my resision period of 3 days would have realized it.so having no one to blame for this but myself i got a second job and my stay at home wife quickly got a job and between the 2 of us we were able to get on track.so next time you want to blame the employees there realize that you are a grown human being and have responsibilities and they are not meant to help you get your life and priorities in order but to lend money for a home loan.think 2times before entering every loan and realize that you are in america where as a consumer you have rights so dont complain when when you are told to get a second job or to that you dont qualify for anything.

by Makendy From Fort Lauderdale, FL on February 26, 2008

I have sent my payment showing I paid my mortgage and and it was cashed by amc but now citi residential says that I need to pay again. I sent front and back copies of the check along with letter from bank and contact information. with no avail. Is there an attorney out there who can help us.

by Laura Wilson From Parkville, MD on February 23, 2008

Not will to work with me to get my payments current. Some service people are very rude

by Ann Coleman From Duluth, MN on February 22, 2008

Called numerous times to discuss the fact I was having difficulties making my payments. They said they won't even talk to me until I was at least two months behind. I tried to be proactive when my rate adjusted and I knew I couldn't make the payment but they didn't seem to care.

by kattie ortiz From Blandon, PA on February 20, 2008

by Richard Kaufman From South Elgin, IL on February 16, 2008

I sent in more than the agreed amount in my forbearnce agreement via wire transfer. They held on to it for three (3)wks and then sent it back to and refused to accept it after that. They have now turned it over to a law firm for foreclosure. And this after I supplied them with ALL of the documentation they required. They told me they would contact me when they made a decision. Which they did with a summons to apear in court; they started foreclosure procedings against me. Early estamates from the law firm I have had added to my loan approxamatly seventeen thousand dollars in fees and late charges witch I will have to pay to keep my home. VERY GREEDY PEOPLE TO DEAL WITH avoid them at all cost. Rich

by Anonymous From Oceanside, CA on February 15, 2008

Very Difficult to contact. Very Rude Personnel with a lack of knowledge. Threatening and offer no resolution but to pay the arrears or face foreclosure regardless of the HopeNow or Project LifeLine.

by Anonymous From Norcross, GA on February 14, 2008

They will not assist with helping and you can explain the situation to them a million times. Also you can ask to speak to someone in upper management to try and get help but you never can speak to anyone in upper management. They will pretend like they have programs out there to help assist if you are behind but when you go through all of their departments and spending and hour and 45 minutes on the phone just to be told on we have no programs to help, who are these people and don't they know if they help you it will also be helping them to keep them from having a lot of foreclosures. I think they are the most heartless mortgage company i have ever had to deal with.

by Anonymous From Hollywood, FL on February 14, 2008

It is a bad situation when the human race decided that because you were in one position at one time you cannot fall due to unforeseen circumstances. In my case when the insurance and tax rates went sky high along with family medical problems this company representative would only demand payment. It is very sad not one wants to work with people who are really willing to make payment but is unable to do it on time. Yes I do make my payment but late. On one occasion I asked to make my previous payment about the 10th of the next month and was told no I have to make both payments. I had to cash out one of my pension to do so, because I did not want to loose my home that I have since 1994

by Danielle Esposito From Winter Haven, FL on February 13, 2008

by Danielle Esposito From Winter Haven, FL on February 13, 2008

by observant From New Haven, CT on February 12, 2008

Here's the deal. Citi Residential bought out the frauds, AMC/Ameriquest, at 4 cents to a dime, and set their plan in motion. Separate the wheat from the chaff. Force bad loans into foreclosure; be more aggressive on loans with a favorable equity/mortgage balance profile, and, after a year, cart in portfolio retention to do "regular business" with those who can weather the storm. They believe in high appraisals. Stick with that. Even if your credit stinks they will do business if you are sitting on high equities. Do not expect super customer service. Get your loan on a regular electronic withdrawal, use email to communicate (they can pass it laterally along the chain of command and don't need to worry about "mixed up" communications), and get a prime rate. Best bet--15 year fixed. Once that happens, keep your nose clean with late payments and get control of your finances.

by Anonymous From Oceanside, CA on February 11, 2008

I am a Realtor with a mortgage with AMC now CitiResidential. My worst nightmare...no business since the fires in SoCal Oct 07...plus got behind and now can't even get out of this mess..they won't offer any help but to request full payment of the arrears amount, no modifications, no forbearance.....they won't help after I have been with them over five years and they charged me over $40K in refinance charges. I also recently represented a client to purchase a foreclosure home that they had on their books. To this date, and that was three weeks ago...a full cash offer of $280K for a trashed house worth about $360K repaired...they won't respond. So you can throw money at them and still no response.

by GAIL JACKA From Napa, CA on February 11, 2008

no response on loan status in two months, we cannot afford 5900 a month payments

by Anonymous From Saraland, AL on February 09, 2008

They keep changing their names. This company is not straight forward at all. A representative tells you that everything is ok over the phone and then all of a sudden, you get bad news in the mail from them. I am so tired. We have been with them through all of their name changes and everything. I would not recommend this company to anyone.!!!!!!!!!

by Cindy From Lansing, MI on February 09, 2008

I was with AMC to Citi and I don't like either of them as well as the mortgage company that got me the loan. I am probably close to foreclosure. They can have it. My house is now not worth the money I have the loan for. When I told Citi that I was sending payment late, they asked why. I told them income had decreased and she asked me if I had lied on the application. NO I did not. Unbelievable.

by Anonymous From Antioch, TN on February 05, 2008

Started with Ameriquest,then AMC now Citi I find them all to be dishonest and not very helpful. You try to be honest and upfront about your situation and all you get is rude people on the other end that truth be told are probably in the same place we're in and acting holier than thou. I can only hope someone out there can help me get away from the mess I am in. I would never want to have to make another payment to them

by Anonymous From Largo, FL on February 05, 2008

Very rude representatives and shady techniques to lure one in and make your life a living hell.

by renae From Muskegon, MI on February 01, 2008

I also have played on the ameri/amc/citi merry-go-round,(these are all under the same "umbrella")I took a A.R.M. with the assurance that before my 3 years were up I could refi to a fixed rate.then when the time came it was oh no we are not doing refis at this time.I hope that there is karma for businesses they are just totally unjust,they also payed my house insurance late then tried to make me sign up for theirs,NEVER would I refer anyone to this company

by Anonymous From Norwalk, CA on January 30, 2008

if home owners would be honest with there financial situation and not try to lie then may be they would be able to help but when they talk to them they are not honest with there real financial situation home owners fill that if they lie they are going to benefit but they are only hurting them self

by Michael Smolinski From Sullivan, IN on January 30, 2008

I took an adjustable rate loan with the understanding that I would refinance in a year to a fixed rate. But when I called to refinance I was told to wait another year so I could build my credit even more at the time it was about 660. Then the rates started to go up on my loan and all hell broke loose. My wife lost her job and we decided to try and start our own business. I took loans out against my 401K and opened up shop. Things went good for a while then someone else in the same line of business opened up a new store and started underbidding us on all business in town. Business started getting slow and to make matters worse I had a heart attack and was out of work a little more than a month. We got behind on our mortgage two months and thats when they started the phone calls at both our jobs and two and three phone calls a day. Now my credit sucks and my rate is getting ready to go up again. No sympathy from lender just alot of constant harrassing phone calls. And to think I didn't get into the action lawsuit against AMeriquest and take their settlement. I'm not sure but I know they were sued for something illegal but I'm not smart enough to figure out the legal jargon in the lawsuit to figure out if I'm getting screwed too.

by Lisa Millwood From Auburn, ME on January 29, 2008

Bad company to do business with. There practices regarding paying taxes that are late are questionable and I would welcome an attorney commenting on them. This company pays late taxes (1/2 year) and then pays the remaining year early. Next, they require escrow and jack up the mortgage payments. Is this legal? Can I earmark my payments to my original loan and mortgage interest only? my email for comments: LMILLWO@yahoo.com

by christopher farrell From Graham, NC on January 29, 2008

They have treated me fairly, but its getting to the point that they will not!!

by Anonymous From Owosso, MI on January 26, 2008

Really don't know because the bought my loan from AMC the worst out there and haven't dealt with them yet.

by LaTonya Jones From Shreveport, LA on January 25, 2008

by Happy customer From Thousand Oaks, CA on January 24, 2008

My loan was previously serviced by AMC and sold to Citi Residential Lending. I think they have great customer service unlike AMC... No problems at this time!

by Anonymous From Arlington, TX on January 24, 2008

Citi Residential is the WORST!!! Customer service was really bad and no one knew anything to help me. I am exhausted with trying to get these people to listen to actually do their jobs. What is their problem? I have worked with other mortgage companies and never had this kind of problem.

by Anonymous From Euless, TX on January 23, 2008

I had some problems with my bank cashing fraudulent checks and had to change banks to get it stopped. It cost me a boatload of money and I got behind with CitiResidential. I had set up the payment to catch everything up, but the third party failed to make the deposit to my account on the date I expected it. When I got the letter from Citi stating that the payment had been returned, I got on the phone immediately so that I could send them a cashier's check because I then had the money. I was advised that my account was in foreclosure prior to me receiving the letter. They did not contact me before taking that action, so now I owe an additional 1500 in fees and am on an outrageously expensive payment plan for the next 7 months. It is more than double my current mortgage payments. I don't know how I'll do it, but I don't want to lose my home. I had tried to get something worked out on several other occasions and the only thing their "customer service" people seem to know how to do is make demands for payment. As soon as I can, I am doing a refi with someone else.

by Bethany Evans From Arbyrd, MO on January 22, 2008

Citi residential has only recently acquired my mortgage. It was first Ameriquest then AMC and now Citi residential.

by Anon From Hollywood, FL on January 18, 2008

I spoke to a rep in the Refi dept at Citi Residential Lending in December to refi my AMC loan. They sent me the paperwork which did not match the terms we discussed. Now I have been trying for THREE WEEKS now. I just don't know if they want my business!

by Anonymous From Kewadin, MI on January 17, 2008

Citi Residential bought my loan from AMC, and I really haven't worked with them much

by Ed Cage From Plano, TX on January 15, 2008

by Max Meindl From Houston, TX on January 12, 2008

It seems as if they invested in AMC to gain valuable property assets at discount. No workout efforts, no collaboration, just aggressive, we will foreclose tactics. Heaven help the home owner being mal-serviced by these leaches.

by Anonymous From Hanoverton, OH on January 11, 2008

My loan was originally thru Ameriquest then bought out by CitiResidential. They took over with no letters informing us. There were no notices of interest rates changing (within the 1st month); no past due or foreclosure notices sent (just our names in the local newspaper)! I called & they have put me on an outrageous & unaffordable payment plan. I asked about refinancing - the man laughed at me & said they don't even do it. At this point - we have attempted refinancing & getting nowhere - possible we may just have to walk away!

by Michelle From La Quinta, CA on January 07, 2008

AMC sold my loan to Citi Len.. Just before my interest rate skyrocketed! I contact them to ask for refinance they denied me a refi because they are not doing them at all! I asked for loan modification then...I submitted all documents and was denied! They say, my home has appreciated in value and this does not give me a reason to modify the loan. But, I'm a Realtor their appraisal is incorrect, my house value has depreciated by $40K i told them. I tried having to lenders do a refi and was denied because my home value had declined I told Citi. They said, sorry nothing they can do. Yet if they feel my house has gone up in value why don't they refinance me???? they are JERKS. Now i will begin foreclosure!

by Anonymous From Atlanta, GA on December 29, 2007

we were with amc and was sold to citi fi, we got behind when work was slow and loss income, now we are going into 5 months behind, they did set up a payment plan but it was too high and we could not pay. So They said send information to them like bank statements and hardship letter and they will try to work out options but so far we have not heard anything about that, when we do call we are just continually asked to pay the back payments which we do not have. we don't know what to do now, so we hope for a quick sale. They said they do not do loan modifications but maybe they will with a third party firm i don't know. I am just so tired of trying with this sinking ship. now I am not sure if we can even rent a place with the behind payments showing on our credit. need help for sure.

by Anonymous From Marietta, PA on December 26, 2007

Every time I turn around they are sending me notices that I have not paid. The try to send in my mortgage checks through my bank 2 times every month. What a pain!! Never will use them again.

by Tom D From South Point, OH on December 11, 2007

After Citi Residentual bought my loan from AMC my first correspondence with them was a letter upping my monthly payment along with a foreclosure notice. I do not know how they can raise your payments and interest on a fixed rate loan and not have any contact with you Get an attorney!

by Anonymous From Jackson, MS on December 07, 2007

I originally refinanced with Ameriquest in 2003. My note was originally $946.00. My last payment to this company was $1634.00 this October. They do not offer any payment arrangements. I got several intent to foreclose letters. When I finally got to talk with someone and explained my situation, she told me they didn't understand why I could not pay the $1634.00. I finally was able to get refinance to a fixed rate of 6.5 this November. It was hard but if you can hold on maybe there is an honest person out there who can help you.

by Anonymous From Lake Worth, FL on November 11, 2007

although they claim to do loss mitigation the only people who respond are those in collection who do nothing except ask for money you can't pay.

by Angel From Xenia, OH on November 05, 2007

One my client I worked with their mortgage used to be AMC BUT was bought by Citi Residential Lending. They are not bad really I worked with them for more than a month now.

by patrick mulcahy From Chippewa Lake, OH on November 02, 2007

I have repeatedly tried to contact them regarding a intent to fore close [since10-04-07 over 20 times I called and left urgent messages to please call me so i could make arrangements! NO ONE AT ALL EVER RESPONDS HOW CAN THIS BE LEGAL BUSINESS PRACTICES. DESPERATE FOR HELP! Pat M.

by Katrina From Easley, SC on October 26, 2007

Originally with AMC as well, agree that you can NEVER get a live person and messages are not returned. Have been trying for months to work out an agreement to come current on my mortgage - they could not care less about their customers!

by Anonymous From Hiller, PA on October 24, 2007

They won't even talk to you. I just got foreclosure sale letter and nothing else. BAD BAD BUSINESS

by Anonymous From Ocala, FL on October 23, 2007

We are having a hard time dealing with them as well. My husband lost his job and they really couldn't care less. Their answer is for us to try to borrow the money stay away if at all possible.

by Anonymous From Houston, TX on October 23, 2007

Originally with AMC for our home refinance, this company is next to impossible to contact a live person. Messages are never returned. We will continue to try to refi with another company.

by Anonymous From Campbelltown, PA on October 18, 2007

They will not make any type of arrangements to help me get caught up with my mortgage payments even though it was not my fault. Don't use them.