It started back in October or November, when I received a call from Citifinancial Mortgage asking where our mortgage payment was for the previous month. She was not even friendly about it. I told her we do not have a mortgage through them, and her reply was, "Yes you do." I was completely confused. I began arguing with her and was beginning to think it was a scam to get my checking information. When I questioned her more, she told me that Citifinancial had bought our mortgage and wanted to know where our payment was. I said I had mailed it to the original mortgage holder. She then started to tell me that I had to pay again!
I said, "No, I don't!" Then she said that if I was not willing to pay it again, I needed to get hold of the original mortgage holder and find my payment. I asked, "Isn't that your job, seeing that you are the one that bought my loan without informing me?" I got so upset with them that I ended up hanging up, not knowing what to do. Starting the next day, Citifinancial called my house almost every day asking for that payment.
I felt like a broken record repeating the story of how nobody told us our mortgage was bought. I had sent the payment to the original lender, and now they were expecting me to snap my fingers to either pay twice that month or come up with the payment I had mailed out. Feeling harassed, I finally told them to track the payment down themselves and leave me alone. I pay my bills, and this was all uncalled for. Needless to say, they finally got their payment from the original lender, and they harassed me for nothing! In my original agreement I found a paper that states both parties are supposed to notify us if or when our loan is sold. Isn't that considered breach of contract besides harassment?
Second problem with them: every month I pay my mortgage on the last Friday of the month or before the 16th, which is when it becomes late. Last month I paid my mortgage on the 5th. On the 6th, not only did I receive a call from them asking where the payment was, but also a letter in the mail. I told them I have until the 16th before it is late, so why call me every month before it is late asking where it is? They said, "We like to know when we are getting our money."
They have even asked me to spend more money to send it priority mail just so they get their money faster each month. I am getting so tired of the harassment! Every month it is something new! On top of that, they are not even nice about it. When they bought my loan and were asking for the payment, they treated me as if it was my fault. How can companies be allowed to do this? Any insight on what I can do would be greatly appreciated. I also get an average of 20 telemarketer calls monthly, and I am so sick of it!
My advice to everyone: if you sign up with Citifinancial, be prepared to be harassed!
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