Citibank Mortgage Complaint

Citibank Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Massachusetts

Last fall I began working with CitiMortgage to modify my existing mortgage so that I could re-occupy my home. I surrendered the property to them -/-/- when I moved to Arizona and knew I could not afford to keep the home at its current monthly payment of $ -/mth. I had tried to sell the home before moving but did not have an offer. When I moved back to Massachusetts -/-/- I rented an apartment that I could afford at $ -/mth, and began trying to work with CitiMortgage again, since the home remained vacant. I sent a letter of hardship explaining that a divorce, my job as a -, being a single mother, and an eventual bankruptcy caused financial hardship but that I wanted to keep the home if possible. After many months of providing paperwork, CitiMortgage offered me a modification that was higher than I had previously been paying, at $ -/mth. They said the amount was more due to a lack of escrow, interest and owed payments. I told them I could n't accept the offer, since it was actually more than I had been paying before and this did not help my financial hardship in any way. I am still interested in keeping this home and it remains unoccupied.