We purchased a home from a realtor and used Decision One mortgage company, who one month later sold it to CITI out of Irving Texas. Of course we have no say in the process. It's been a nightmare ever since. Four times now I have rec'd threatening letters saying they did not receive my payments, now I must send two payments or they will begin to foreclose.
I call out there and here is typical responds, "Do you want to use you account number or S.S. # to access account (this is not a real voice anyway), so I in account # and then last 4 digits of S.S. Number. Then phone rings, and you get a dial tone. So then you dial again, go through the process, finally get a person who says, " oh, you need so and so.
Well so and so is never at his or her desk, so you leave a message and guess what no return call, again. This goes on for at least a week. Very difficult when I am working. Then I finally asked for a supervisor who faxes me a list of payments which actually show I over paid. But he gives no name or way to get him. I sent all cancelled checks back and front to their research department before August 1st, and still not the decency of a reply.
What, beside an attorney can I do. I have a buyer, thank you God, and I can't get an accurate pay-off. They are trying to rip me off for two months interest, because "we didn't get your check", but I have the cancelled checks. What can we do? Any help would sure be appreciated. I am telling everyone I know that if your mortgage company will see to CITI, get another mortgage company QUICK
Thank you
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