Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Settlement process and costs New York

I was deceived into obtaining mortgage with Citibank by - -. I was promised closing costs of $1500.00, and received bill due in the last moment of $2300.00, which is $860.00 in material injury to me. Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked - - to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response - called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than $1500.00.


4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after - of the day preceding closing at - the next day. This is violation of 24 hours minimum disclosure. 5. I was promised $500.00 if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 7. Every time I asked - - a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue.