Citibank Mortgage Complaint

Citibank Mortgage department,

Other mortgage Loan servicing, payments, escrow account Tennessee

Our mortgage company has reported us as being behind in our payments. They refuse to speak with us regarding the situation. We asked for a listing of all our payments to them since -. We received the listing and found no payments have been missed. We even had a payment of $500.00 on -/-/- which was a payment with additional specified to go toward principal. They initially did not apply our payment. We called them to ask where our - was as it was drafted from our bank. They said because it was a balloon payment that we could not make early or extra payments on principal. My husband convinced them to apply it to our account. Now, they have reported to the credit bureaus that we have missed payments again. They have ruined our credit and we are not able to get a loan anywhere else to refinance with anyone else. We had refinanced with our primary mortgage company and paid them a subordination fee of $200.00 which I see has been charge to and paid by us TWICE!!!! They, Citimortgage refuse to speak with us or resolve this issue. We are prepared to take legal action. Please advise.