We made our mortgage payment for November on 11/28, and I checked our page on their web site to make sure the payment was received. It indicated that our next payment due was for December.
About a week later I checked the web page again to see if our property taxes were paid and found that they had changed the next payment due to November again. I called them to see what was going on and was told that the $750.00 was returned by my bank. I got on my bank's website while I had them on the phone and found that it was not returned. They requested that I fax a copy of the statement and gave me the number. I whited out all information other than the area that indicated that the amount had cleared and faxed it.
Two days later I called to get a status, and they said, "we never received anything." I told them that I had a copy of the confirmation and found that their employee had given me the wrong fax number. They gave me a different number, and I faxed again. I called the next day, and they said they had received the fax but needed a few days to research. I waited a few days and called again. They said to wait another couple of days. I called again, and they said that the payment was applied to October because that was never paid. WHAT? I informed them that October was paid and asked if they needed proof of that as well. They said not right now, call back in a few days.
So I called again, and they said the amount was returned by my bank on 12/2. I called my bank, and they said that was not the case and that Citi Mortgage had attempted to take an additional $790.00 out of our account, and that did not clear. I called Citi Mortgage again and asked why they tried to take that amount out, and they still said it was the initial amount that did not clear. I then requested that we get on a three-way call with my bank, and Citi Mortgage refused to do that. I informed Citi that I would not be making the December payment until this was cleared up, and they said to call back in a couple of days. I called back again and was told that I had not provided enough information to prove that November's payment was made. I asked them what they needed, and they said a statement from my credit union.
The next day we received a letter warning us of foreclosure due to the November and December payments being late. I went to my credit union, and they gave me a letter stating once again that the November payment was made and not reversed, and also a report showing the amount had cleared the bank. I called Citi to inform them that I had the information and would be faxing it the following day. The woman was rude and said, "well, the first statement you faxed did not indicate the funds that were in the bank at the time." I said that is none of your business, the only thing you need to know is that the payment was made. I faxed the letter the next day, and here we are three days later and I have not heard anything.
Can anything be done about this? I think Citi is targeting homeowners who owe much less than what their home is worth, trying to push them out. I have copies of everything! I called ten times, emailed four times, and faxed three times!
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