Citi Financial
Escrow Request Led to Misapplied $400 Payment and Daily Calls

I have an investment property mortgage through CitiFinancial. In June I contacted them to start an escrow account. I was told I would be sent paperwork with the amount the mortgage would be changed to with the escrow added in. I have not yet received a copy of this escrow even after repeated verbal requests. I did not know how much the mortgage would go up with the escrow added, so I added an extra $50.00 a month.

In August I began to get daily phone calls saying my payments were not made. In September they took an entire $400.00 payment and applied it to non-existent fees.

Ever since then I have been getting an average of 3-4 calls a day demanding payment of the late mortgage payment. They have reported me to the credit bureaus excessively even though I've never missed a payment, and I sent them proof of all payments via cancelled checks at least 4 times, two of these by registered mail.

I've talked to many "supervisors" who see the misapplied payments made in August and tell me they will fix it and I will receive no more harassing phone calls. I've received phone calls sometimes within an hour after the supervisor call. I've asked for their names and phone numbers, but when I call back, no one has ever heard of them.

I've even heard from their "research" department saying it was fixed by James Williams and that I would not receive any more calls. That was in early 2007. Needless to say, it wasn't done, because I am still getting the harassing phone calls.

Company: Citi Financial
Country: USA
State: Texas
City: Irving
Address: 4050 Regent
Phone: 8007533673

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