Complaint / Review
Citifinancial Mortgage Company, Inc
March Payment Lost, Then Collection Calls and Credit Report Mark

Citifinancial Mortgage Company lost or misapplied my March payment. After numerous phone calls and explaining and re-explaining my situation to poor customer service reps, most of whom do not speak English, I finally got a supervisor named Dave. He had me fax him copies of my cleared checks, front and back, and assured me it would be taken care of by the following week. Meanwhile, I was receiving nasty collection phone calls every night and had to re-explain the situation to more reps. I also received late letters threatening me with foreclosure and loan acceleration.

The week passed and nothing was resolved. I finally found another supervisor, Brigitte, who had me fax all my documentation to her. She assured me she would get this information to the proper department and my problem would be resolved. More time passed and NOTHING was done. I kept receiving the nasty phone calls, some as late as 9 pm, as well as the threatening letters.

Dozens of phone calls later, I finally got another customer service rep who was willing to "help" and gave me a contact name and a direct fax line to the research department. I just needed to fax my documentation to that number and they would take care of this. Two more weeks go by and STILL no resolution.

I am completely frustrated, and my credit report now has a negative comment on it, and I HAVE DONE NOTHING WRONG! I made the payment, I can prove I made the payment, and I can prove that Citifinancial endorsed and cashed the check. Yet they refuse to credit my account for the payment amount while they look for the misapplication on their own time. They continue to harass me with phone calls and nasty collection letters.

Since this is probably a fraud scam perpetrated by Citifinancial, I have no other option left than hiring a lawyer to get this straightened out, which will probably cost more than just giving in and making a double payment. You have to wonder if there really is a foreclosure crisis in this country or if it is just Citifinancial trying to take people's homes and money.