Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Massachusetts

This loan was originally opened as a Home equity line of credit. Under the terms of the loan it has now converted to a second mortgage. I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement. It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.


It appears as if my balance is over a credit limit. This makes me look as i have maxed out all available credit, and in fact am using in excess of -% of available credit. This drastically impacts my credit scores w the - major credit bureaus. I have contacted both the Loan servicer Citibank, and the - major credit bureaus. Neither will fully assist me in rectifying this, what so ever. This is particularly true of - who militantly lists this as credit card debt. I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt. This is drastically and negatively affecting my credit scores.