I have been fooled and lied to by Citi mortgage!!! I lost my job, and several times I tried to get a modification and was denied for various reasons for three years, even though I was collecting unemployment. Because unemployment does not provide a nine month letter of benefits, only a six month verification, Citi mortgage was able to deny my proof of income for the modification!!! They put me in foreclosure, took me out of foreclosure, and again put me in foreclosure, then sheriff's sale.
They would not allow me to make mortgage payments for over two years while they had me on forbearance payments, and then they still kept denying me when I completed them. I asked repeatedly to let me make my mortgage payments when I was able, and they denied me. By now I had fallen so far behind that I have to pay up front all the regular mortgage payments from the past for them to consider me keeping my home! Why did they not just let me pay them money before I got so far behind?
They have lied, lost much of my information, and put false information on my records. I used Credit Counseling Services (a legal service that helps homeowners in distress) to make sure I did everything right by Citi mortgage. I followed Citi mortgage procedures, and all they did was deny they got all the paperwork, or deny that I tried to follow their procedures to save my home! All they did was make me more and more behind on my mortgage payments!
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