Citimortgage
Ripoff, customer no service, violation of federal laws, hud national affordable housing act, fair credit reporting act, the truth in lending act, respa TIRED of being threatened

Citimortgage took over my mortgage from First Nationwide in April. I want to mention the fact that I did not receive a "Servicing Transfer Statement" from First Nationwide or from Citimortgage telling me that my account from First Nationwide was being taken over by Citimortgage.

According to their collections dept. They claim they did not receive our first three payments. We have copies of all the checks that they cashed and the dates that they posted. They were not applied to our mortgage and are just floating around in "unapplied" funds accounts.

They have reported to the credit bureau as past due, causing a decrease in my credit rating. When Citimortgage took over our account they did not get our homeowner insurance information so they automatically charged our escrow account for hazard insurance creating an escrow shortage. Citimortage insurance dept. Has our insurance info but collections will still not take off the hazard insurance.

This has added 300.00 to our mortgage payment every month. We sent a letter to their investigations unit with the inquiry number, and customer service and collections do not know what each other is doing, or know nothing of the investigation. Since Citimortgage took over FirstNationwide there have been many accounts in disarray.

In response we are filing complaints with Hud under the Nation Affordable Housing Act, the Correspondence Branch of the Federal Trade Commission. Also I am protecting my rights under the Fair Credit Reporting Act, The Truth in Lending Act, The Fair Debt Collection Practices Act, and also under RESPA (Real Estate Settlement Procedures Act) and any other legal means at my disposal. We are also contacting our state representative and congressman. We are tired of being threatened by Citimortgage collections department and are doing everything we can, including legal representation, to correct this situation.

Company: Citimortgage
Country: USA
State: Missouri
City: Saint Louis
Address: Po box 790001, ms301
Phone: 8002837918

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