CitiMortgage has reported our mortgage late for five months, and I have the statements and my bank accounts showing we have not been late. According to our credit report, we are over 120 days past due. When I call CitiMortgage, I am usually disconnected mid-sentence. When I do get hold of someone, they are at a call center in India and are completely useless. This is not the first time CitiMortgage has done this with our loan.
We went to purchase a car yesterday believing our credit was in the low 700s... instead we found that it is 550! We still qualified for the car loan, but the payment was going to be over $5,000 higher over the 3-year course of the loan. Not only that, we were humiliated. We are customers of this dealer and are friends with the owner. I am devastated, humiliated and completely irate that CitiMortgage has all the power.
The credit bureaus continue to verify that CitiMortgage is correct, despite the fact that I have called, contested, begged and cried. Please help... Or write if you have had similar problems. A phone number that does not connect me to India would be welcome! Thank you.
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