Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Georgia

During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. It begin - when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of - months making payments equal to $650.00 and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a - of point from 4.625 % to 5.000 % and the new


the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it -/-/- but rather they executed the loan - years later meaning -/-/- at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received - letters via - Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.