Citibank Mortgage Complaint

Citibank Mortgage department,

FHA mortgage Settlement process and costs Indiana

We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. HOPE after a year and a half, lowered our payments $26.00 and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay $11000.00 back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the $11000.00 in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly $26.00 and we now have a $11000.00 note when we sell our home?