Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting California

I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was - due to - - credit card reporting me with a $5.00 payment that was 60 days late. I called - because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had - send a communication to Citimortgage alerting them that the charge was fraudulent. Next Citimortgage had an appraiser value my house in - - California at $700000.00. I knew for a fact that - - is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live


I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since - 2014. I am an existing customer with - loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the - loans into a new refinanced loan and wanted me to pull all the information a - time due to their incompetent appraiser whom they used -. I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.