Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting North Carolina

In -/-/- my wife lost her job and we applied for a HAMP modification for our - loan with Citi Mortgage. After a long and painful process, where documents were continually lost '' by Citi, we were told to start making lower, trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of


began to show missed payments '' corresponding to the required trial payment '' schedule. We are now completely recovered financially and our credit scores range from - to -. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. This whole mess started in -/-/-. If we could get the credit hit moved back to -/-/-, they would come off our credit report next year. As it is, it will be -/-/- before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?