Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Florida

Lost job - of -. As per Citibank, I defaulted effective -/-/-. I am sharing brief history as I believe my case is not an ordinary scenario : Hardship Origin and Extenuating Circumstances : - of - hired by a - where I lost my job only 6 months later due to whistle blowing and cooperating with the -. This - was later found to have defrauded the - of - in an estimated total of - - dollars. Due to the ongoing criminal investigation, I remained silent as requested by the authorities. - of - hired by -, - of - employees confided in me as HR Manager in questionable activity. My investigation confirmed fraud at large level. - of -, constructively discharged and I was also hurt on the job. Recovered Medically for most of -, held jobs not in my


Dual Tracking : - -, - my home was sold in Auction while I fought to save our home for years losing money to attorneys and even spent all of - sending in documents hoping to be approved for a modification. Late - Citibank Exec Response Team representative made announcement that modification was approved, nonetheless Citibank failed to remove the house from being sold in auction. Note : my communications to Citibank during this time up until the day of the sale were extensive. The day of the sale, no one at Citibank answered my calls.Certificate of Title reads as follows : " The undersigned clerk of the court certifies that a Certificate of Sale was executed and filed in this action on - -, - '', ( 5 days later ), signed by - - on - -, - and recorded by Time Stamp on - -, -. - -, - As per the Executive Response Team Associate, the sale had been reversed the same day although the docket shows the sale went through. An approved motion by the Plaintiff/Bank to vacate Foreclosure of - -, - and issuing of Certificate of Title entered on record on - -, - was approved and signed by Judge - - - -, - entered in Clerk of Court record on - -, -. -wife during this time resided in the property, had recently been granted Temporary Exclusive Access by Family Court Judge. To my knowledge, modification was granted although x-wife refused to sign the documents and to honor the trial period payments. Foreclosure sale reset : - of -, I attempted to file - - Bankruptcy on my own but failed to meet requirements. - of -, x-wife vacates property and I moved in. A second attempt to file Chapter - submitted with help of attorney, however guidance suggested to convert to - - which was finally submitted during - of -. During this period of time, after making first payment to - -, a modification letter arrived with confusing verbiage stating that payment of $1900.00 per month was due on - -, - and no later than end of month - -, the same for - of -, and - of -. This practice makes it impossible for any " struggling homeowner '' especially with medical limitations. - Email to Citibank CEO Dated -/-/-, Change in Servicer occurred -/-/-, no prior notice was provided. Note : I was unaware of the change in servicer at the time and my email to the Citibank CEO trigerred being referred to the Citibank Executive Response Team. After much phone tag and emails to Citibank, I finally learned that - had my loan. ( Approximately 25 days of time elapsed and Citibank could have easily just emailed back or send me a letter explaining the change ), this conduct is deceptive and malicious. Modification package to - submitted -/-/- - ( 38 days prior to Sale date of -/-/- ). Package was complete in the definition of complete at that time, nonetheless, - did not escalat