Citibank Mortgage Complaint

Citibank Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure California

I was approved for a tier 1 first mortgage HAMP back in - with - ( the loan was formerly with - and - - - originally approved the Mod prior to the transfer to - ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in - once the HAMP was set in place permanently?? Citibank recently contacted me stating that my HELOC would reset in - of - which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP


the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?