Citibank Mortgage Complaint

Citibank Mortgage department,

Other mortgage Loan modification,collection,foreclosure Wisconsin

My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost - years trying for Harp or Hope assistance from them. It seemed they would not have received - or more documents and then - they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after - years. Family members gave us $25000.00 to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. We then ended up filing bankruptcy chapter -. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On - -, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative


we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, - -, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items - our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about - minutes hung up on us.