Citibank Mortgage Complaint

Citibank Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure California

I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from $2000.00 a moth to $6000.00 per month. I called Citimortgage - times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for - days. I faxed - packets of information and overnighted - package. In the end, my request was denied because I had too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. - down to approx. -. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were $1100.00. Citi wrote off $300.00 of those fees. I asked them to waive the remaining balance of $810.00 which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my -. He then went on to say that I should pursue that because there were more potential options and that the - could be taken into consideration. That was nice to know but telling me after - days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the $810.00 remaining balance of late charges. Their process was very misleading.