Citimortgage
House Sold at Foreclosure After Assurances Not to Worry

I have been reading the reports on Citimortgage, who is, was my mortgage lender. After going through a horrible divorce 3 years ago, losing my job and being sole provider for my 3 children, I was having a hard time financially. I managed to pay my mortgage on time for a year, then I was forced to decide between paying the mortgage or eating. I promptly called Citimortgage requesting a loan modification, as I was working again and starting to try to make my financial situation better so I could pay my bills.

I sent in my packet, which was lost twice, and it took over 8 months before I was approved for a modification. My payments were lowered from a 7.5 rate to a 3.0 rate, making a $1000 difference in my payment. I paid for 4 months on time, and my fifth payment was sent back. They said this was a trial modification and that for it to become permanent I had to send in a document they said they did not receive. I sent it in. It took almost 2 months before anyone could seem to help me. I was told that the paperwork had expired and I had to submit a whole new packet and 18000.00 in a cashier's check to redo the modification. I sent in the money.

I was assigned many different reps to handle this and could never get in touch with any of them. I started getting foreclosure notices from their attorney. I called every day until I was assigned a rep, Melissa Ramirez, who did keep in contact with me, at least at first. From January until March of this year I submitted the package 2 more times, then was told I had to send in this document, then another that had never been requested. I maintained contact and told every service person and Melissa that the house was going to be foreclosed on if this did not get moving, and everyone assured me that it would be fine, the lawyer had to send me the letters, not to worry, the loan would be modified and everything would be fine.

My foreclosure date was the second Tuesday in April. By mid-March, I could not get in contact with Melissa. I called almost daily, left voicemails, spoke with other agents who emailed her, and emailed her myself, all to no avail. I was told the week before the sale not to worry, that one paper had not come through and I should fax it as soon as possible, because the fax machine took 24-48 hours to scan it and put it in the system, which is unacceptable. Melissa was still handling my account, and although I never got to speak to her after March, the reps I was getting were messaging her while I was on the phone. I was told that as soon as they got my fax the foreclosure would be called off, and I was given the mitigation fax number and Melissa's fax number to send this paper to so it would be looked out for. I sent the fax first thing Saturday morning after being informed late Friday night of the missing paper, as soon as the fax store opened. I called Citi to let them know it was sent.

Monday morning I called, well past the 24 to 36 hours it supposedly took to be put in the system, and was told not to worry, they did not have it scanned yet, but everything would be fine and the sale would be called off. I once again asked for Melissa and got no response. Tuesday morning I called, and the paper was received, but I had called Melissa's line first and her message said she was out of town from Monday until Thursday. I called the modification department, told them my story and asked why no one had called the lawyer to let him know not to sell the house. They informed me the sale had happened 5 minutes ago, and that no one had been looking or knew to call the lawyer since Melissa was handling it. Needless to say, my house was sold.

I asked to speak with a supervisor, who got on the phone and said there was nothing he could do; Fannie Mae had bought the house back as there were no buyers for it. I was not satisfied, so I called back and got Kevin, who was a huge help and told me about Citi's department that can get a house back for the owner in situations like this, and that I had until June 6th to get the house back.

I called the other department and was told that I needed to call Melissa on Thursday and she would be able to have the foreclosure rescinded. I called Melissa Thursday morning. She answered the phone and told me there was nothing she could do. Well, I had been told otherwise, so I again called the modification department and got a gentleman named Brian, who spent a lot of time looking over my account and brought it to the attention of a supervisor. This supervisor said that by reading my records it was obvious that this sale should not have taken place, and he promptly emailed Fannie Mae letting them know what had happened and asking for the loan to be rescinded. To date I call every few days and there has still been no response from Fannie Mae. I called Fannie Mae and got a gentleman on the second tier named Roy. After I explained my situation, he emailed the main office, which would be going over the request, asking for the rescindment and to speed up the process as I did not have a lot of time. To date, I am told they will call me when they hear something.

I feel I was led along for this to happen. My trust was used against me, and by the way, Citi has no record of the 18,000 I sent in last year, conveniently enough.

Does anyone have any ideas? We really want to keep this house as we have had it for 8 years and this is the only house 2 of my children know. We are in dire straits, I am sick to my stomach and not able to sleep all the time now. I am wondering if this is just another excuse to put me off longer until the sheriff comes and locks us out. Please help!

Company: Citimortgage
Country: USA
State: Maryland
City: Frederick
Address: 5280 Corporate dr
Phone: 16362617716
Site: citimortgage.com

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