Citibank Mortgage Complaint

Citibank Mortgage department,

Other mortgage Loan modification,collection,foreclosure Georgia

We became clients of Citi Mortgage , Inc . in - when we refinanced our home at - - - - -, GA -. At that time we had stable, full-time jobs and good health. My husband retired in -, I became medically unable to maintain my job and became -. In -, I no longer had a job, at this point we were living on a fixed income. Faced with financial difficulties we had to try to readjust our budget. Within the last -3 years we have been asking Citi Mortgage , Inc . to modify the rate on property we were living in. ( the rate for this loan is 8.14320 % ), automatic bank draft. Each time Citi Mortgage , Inc . refused to assist us by lowering the interest rate. We were trying to keep up repairs on the house, vehicles and the property. We were forced to seek guidance from a financial agency, but Citi Mortgage , Inc . would not cooperate with them either. What ever type of mortgage loan this is, several other mortgage companies could not refinance us or qualify us for a - mortgage. ( Both of our credit scores were


Mortgage , Inc . that we had moved out and the property was vacant, we also informed them of our realtor who put the property on the market. From that point Citi Mortgage said we had to authorize them to converse with our realtor - - - -. The authorization had to be in writing, so we down loaded their form Citi Mortgages wedsite. - - and me and my husband - - - - - filled out the form, sighed and dated it. We faxed the written authorization to the fax number that they gave us. Several weeks passed without any contact from Citi Mortgage. so we contacted them only to be told ( they never received the written authorization and they did not know where it was ). After giving us the runaround they finally excepted our verbal authorization over the phone to include - - as the agent listing the property. Citi Mortgage , Inc . agreed to to have the property listed for sale $300000.00. Prospective buyers were trying to buy this property from the moment we started moving our furniture out of the house. Our realtor - - - - provided Citi Mortgage , Inc . with - offers to buy this property, we asked Citi Mortgage , Inc . to do a ( short sale ) in -. After Citi Mortgage did a ( BPO ), they increased the price to $43000.00, ( listed as move in ready, no repairs needed -. Citi Mortgage , Inc . instructed our realtor to only submit the highest offers to buy. - - then submitted an offer to buy, it is an ( all cash offer of $41000.00 to close on or before - -, - ). We have not gotten a response about the offer. At this point Citi Mortgage , Inc . has been handling the business with us and our realtor very unprofessionally, to the point of not keeping is in the loop, may or may not return our phone calls, not following through with information, going about the business of having negative information put on our credit reports.