Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Maryland

It all started when CitiMortgage bought our loan from -. I made my normal payment to my mortgage company ( - ) and another mortgage company ( CitiMortgage ) called to tell me that I was late with my payment. When I informed them that I had already mailed my payment I was told that CitiMortgage bought my mortgage and I was to pay them. We were making our payments and such and got a letter saying that CitiMortgage was charging us for homeowners insurance that we already had and was sending in the certificates for every year. We later found out that we were being charged for insurance for 7 years. We started really looking at our bill and saw " fees & fines '' and when we asked where these fees and fines came from, they could n't tell us. We tried to do a modification with them in -/-/-/-/-/- and was denied after the 6 month trial because they said that they did n't get our first payment. When I told them when it was mailed in and the money order number they did an investigation and found our payment on the desk of someone that no


did. We started another modification in -/-/-, but I lost my job and they quit talking to me. I stopped getting monthly statements from CitiMortgage and started getting them from a company called -. We tried to do a modification with them, but were denied for different reasons, and then they said that they were going to foreclose without offering any other options such as putting what we owed on the back of the mortgage because they said what we owed was $30000.00 which means @ $580.00 a month, we would n't have paid for at least 7 years which is untrue. - said that the house went to auction -/-/-, but no one bought it. They continued to send us statements until -/-/-. My husband was talking to a realtor that works for - and he told us that the deed was transferred - -, -, which we found out was a lie. I got a letter in the mail that says the deed was transferred back to the lender on -/-/-. A guy from the mortgage company showed up at the door to see what to tell the Sherriff 's Office, and when we told him what was going on he informed us that - is not even a mortgage company, but a debt collector and never had any intention in helping us keep our house and suggested that we get a lawyer