Citibank Mortgage Complaint

Citibank Mortgage department,

Other mortgage Loan modification,collection,foreclosure New Jersey

I am currently a CitiMortgage customer. When I started going through some financial problems I reached out to do a loan modification and I was denied. I hit hard times, took out a second mortgage ( also with Citi ) borrowed from my -, and eventually had to file bankruptcy. Then I lost my job. I tried to do another mod but was denied. Then I hired a lawyer because I could n't pay the mortgage. After 2 years I was back on my feet had multiple jobs ( working 15 hour days 7 days a week, just to make enough money to pay back Citi. I offered to pay all the past interest with the finance & late fees and to restart my current mortgage where I left off and was denied. Citi wanted all or nothing. Now we are going into year 6 of fighting, racking up all the fees. I am continuing to work hard to make enough money to pay back Citi but I will never catch up. We tried once again to renegotiate my loan and the only thing I was offered was to double the length of my loan to 40 years, to double


will end up defaulting again. My - mortgage went from - to over -. My second mortgage is -. My house is n't even worth this much. I offered a win win situation. Citi would receive all interest and fees and continue my loan for the remaining 20 years at my current interest rate. I would also be able to pay the - mortgage as well, even if I give up - of my many jobs. I dont understand why Citi refuses to negotiate with me and is coming after me so hard when I am willing to pay, wanting to pay for the last 3 years. Is there anything you can do to help me? - - - Loan # - - mortgage Not sure of second mortgage loan # Now CitiMortgage has responded to my complaint with a letter stating that they tried to contact me unsuccessfully ; that I didnt have enough fund for a downpayment to reinstate my account ( as I said I had enough to pay all the interest & fee, just not the principle - they was no offer of a downpayment ) ; they said I never sent them requested documentation ( this is - because I sent everything that was asked for monthly and have the emails to prove it ) ; they claim they did n't receive the LOA ( I sent that in 5 times with my - lawyer and 3 times with my - ). They say my hardship package was incomplete and since documents were n't received they closed my case. They kept dealing with me instead of my lawyers. I am not sure what my first lawyer did on my behalf so I fired him, but I know my second lawyer worked my case. I feel if they are being untruthful then they need to revisit my claims and do an actual loan modification ( on that helps me so I will not default again ) instead of basing a 40 year loan on the highest income year of my life ( which will probably never happen again ). I should not have to work - jobs, 100+ hours 7 days a week to afford my home. When I offered them the interest & fees at the time my monthly payments would have been approx. $1100.00 with 20 years left of my loan at 2.35 %. Now I am paying over $2200.00 on a 40 year loan ( I will - years old when I finally pay it off ) at over 5 %. This does not include my - mortgage with the same company. They lied and has denied me at every turn causing this to grow into something extremely unreasonable.