Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Ohio

In - while I was in a Trial Modification with Citimortgage that I paid as agreed they foreclosed on my property. That foreclosure was set aside in - and I Citi never contacted me to set up my new mortgage. In -, - they foreclosed again. This foreclosure was set aside by a judge in - -, OHIO since obviously it was an illegal foreclosure. During this time I was contacted by - -, Homeowner Specialist at Citi Mortgage and was told that she would be working with me to set up a new Trial Modification. It should be noted that in - of -, I was contacted by Clear Point and told that I could qualify for a new Modification where the investor on my loan, - would forgive my outstanding interest and penalties but I would have to get the foreclosure set aside. I did share this information with - - at Citi when the foreclosure was set aside in - and she told me that the Underwriter was working on my approval.


with an underwriter. I was then told her that the balance was approximately $ -. When I asked her what the PITI was, she could n't tell me but only stated that in my permanent modification documents this information would be revealed. I told her that this was unacceptable and I waited for additional information from her to wit no resolution was received. On - -, - I received via -, what appeared to be Trial Modification documents and was told that I needed to make my first payment by - -, -. I immediately went to the US Post Office in - OHIO and mailed the check with the payment coupon to the address noted in the Citi Correspondence. I did not mail this certified but it was mailed first class and to date the envelope has not be returned by the post office for a wrong address. On the same day, I sent an email to - - and told her to expect the check to hit their servicing department by the -. I also told her that I was disappointed that disappointed that the actual terms of the payment ( PITI ) as well as mortgage balance was not noted in the documents. I emailed - - the early part of - and expressed concern that my check had n't cleared. I asked her to contact the servicing department to find out why they had not processed my check and also to make a copy of the envelope showing the postmark on the envelope to support that I had sent the payment on - -. She told me that she " could n't '' contact that department. This sounds at the very least incredible since she was the specialist assigned by Citi to handle a mortgage modification. There is something wrong with this process. By the way, she also told me that I could have made the payment over the phone with her directly yet that was never put in writing with the modification documents. If it had been offered as a payment method I would have done this on - - vs sending in by mail. To date, my payment has not been processed. I received a text ( truly remarkable ) this past Friday evening stating I would be getting a new Homeowners Specialist and that I would get and email or letter stating who that person would be. I have received neither Professionally this is once again being bungled by Citi as it was in - ( see previous complaint with CFPB ). I also feel that since Citi foreclosed in - and sold the property for approximately $ - that amount should be the new mortgage balance amount, especially since I was told by Clear Point that I would qualify for this too.