I filed for bankruptcy because I missed 1 mortgage payment. CitiMortgage told me they would send me paperwork so that I could apply the missed payment at the end of the loan. I NEVER received the papers, and they kept sending my payments back, saying the full balance needed to be paid. After 6 months of fighting with them to get this settled, I received a notice of foreclosure, so I filed bankruptcy.
After working diligently to get my bankruptcy paid off, CitiMortgage is absolutely fighting me to get the bankruptcy codes removed from my account. I have faxed and mailed the paperwork many times as proof that my bankruptcy is discharged. My lawyer has sent them notices, and the trustee has sent 3 notices. Every time I call and beg them to remove it, I get a non-English-speaking person who does nothing but repeat what I say and transfer me around endlessly until I hang up.
As I try to reopen a credit card or get a new car loan to start the credit rebuilding process, I am being denied because CitiMortgage is showing my account as past due/open bankruptcy, 6 months later. So much for rebuilding my credit. I hate them, and as soon as I possibly can, I am refinancing with someone else.
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