I'm writting this post to inform everyone about the problem that I have experienced with Ameriquest, AMC, which is now CITI Residential Lending.
On May 19th, and 20th the City of St. Paul was hit with a group of storms that did a lot of damage to a lot of houses including mine.
Here is my problem, I contacted the insurance company, (which AMC underwrote,) and filed a claim when my wife told me that the roof, exterior, and interior of the house substained a fair amount of damage. Shingles ripped off the roof, windows were broken, and the second story ceilings, and walls of our house started to cave in. The water damage followed down to the first floor, and into the basement.
After four months of phone calls, denial from the insurance company, (safeco/assurant) and other ongoing problems I have been dealing with from all of the above mentioned companies they finally issued three checks to start the repairs myself, because the insurance company stated they would not replace the whole roof, even though hail, rain, and wind damage caused the roof to be total loss. The ceilings were falling down in chuncks, and the walls were just as bad.
I recieved the first check for $555.93 on or about 10/24/07, the second check for $1.107.87 on or about 10/26/07 and went out to a local building supply company, (Menards). I placed the order for all of the material I need to repair the house. I took the order sheets to the cashier and they ran both checks and both were refused.
I called Virginia Gutierrez, who works for the "Office of the President" to complain that the checks CITI sent me were worthless. Ms. Gutierrez stated that the checks should be "just fine" but told me that she will cancell the first two checks, and reissue me a third check for a total of $1,661.80.
I recieved that check on 11/13/07. Went back to reorder the material, and again the check was refused, albeit the check was made out to Menards, it arrived at my house.
After two weeks of trying to get Ms. Gutierrez to just send Menards a cashier check, or do an electronic funds transfer, she refused and stated "The check is good, I contacted the accountant who reassured me that there is money in the account, and to prove to her that the check is worthless, because we are not going to reissue anymore checks."
This is where it goes all bad. I have been fighting a foreclouser on the house because I'm disabled and my old boss told me to write a health history and give it to all of my co-workers, or I would "be let go". I wrote the health history and told my old boss that he just violated the HIPPA act, EEOC, and people with disabilties act, and let me go anyway.
So I fell behind in three payments and they started foreclouser against me.
This and trying to fix the house so I can sell it was taxing me, because I could not get Ms. Gutierrez to send a "good check". Remember she stated to prove the checks that they send me are no good.
I called the bank that issued the checks to me, JP Morgan - Chase Bank NA. Out of Dallas, TX and got the 24 hour electronic account service. I entered the account number from the checks, and the next command was to enter a PIN or my Federal ID number (Social Security number).
I damn near died when I was asked if I wanted accounts payable, recieable, payroll and any of the other 65 accounts that CITI has with the bank.
I was shocked because I never allowed, either verbally, or in written fourm to use my Social Security number, my personal information, such as my address, city and state I live in.
What I'm saying is CITI Residental Lending breached my SS#, and personal information with out my permission.
So to who ever reads this I would call Ms. Gutierrez or someone in the presiden's office and make sure your personal information has not been breached.
I have been reciving credit applications in other peoples names, but come to my address. I have been getting phone calls from online pharmacys to verify my credit card number, or debit card for medications I did not order, and so on.
I have been in contact with the MN Attn. Gen's office to file a complaint, the Comp Controller about the fruadulent checks, the IRS all of the credit reporting services, and the list goes on.
This is what I'm asking anyone who can help me. What else can I do, now that all of my information is out for anyone at CITI Inc., JP Morgan - Chase banks and who else knows to use my name, social security number, and other info at their leisure.
In other words what can I do about this mess, I'm at wits end, and I hope this has not happened to anyone else.
So please email me if this has happened to you, just to know how many others have been hung out to be ripped off. I also worry about Homeland security showing up at my house, and arresting me as a terrorist. I know thats way out there... But the way things are not going my way, I just wonder.
Any help or info about futher actions I can take would be greatly appreceated.
Thanks,
Joe
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