Citibank Mortgage Complaint

Citibank Mortgage department,

Other mortgage Loan servicing, payments, escrow account Nevada

Hello! Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( -/-/- ) was not so, They took out more interest $170.00 vs $140.00 going to principal, last correct payment ( -/-/- ) was $160.00 going to principal and $150.00 going to interest. Now after payment was electronically withdraw from my account on -/-/- I made $100.00 principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past -/-/-.