Citi bought my loan after closing, and somehow my county taxes were not paid, as the HUD paperwork documented at closing. I received a county tax bill 5 months after moving in. CitiMortgage claims my escrow is at zero, in the red. How can this be? We just bought the home. They never notified us 2 months prior (a federal law) and raised my mortgage a hundred dollars and split up the payment to pay off the escrow shortage over twelve months. My account should have started with all taxes and HOI paid, and somehow a large amount of money is missing. When I call them, I get put on hold for so long that I am forced to finally hang up the phone. Each person I speak with denies what the last person said. I called them and they are reviewing/researching my account because of the odd escrow shortage.
They tell me this, but I do not believe them. The last person I finally spoke with, I could not understand. He had to spell his (Indian?) first name four times for me. My next step is an attorney, and I am calling HUD and FHA. If anyone wants to do a class action law suit with me, let me know in consumer comments.
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