CitiMortgage
Foreclosed During Bankruptcy Stay and Belongings Thrown Out

We were in a Chapter 13 bankruptcy protection (stay) in 2010 (due to clients not paying us). Citi was notified of the BK by the courts directly. All entities knew of the BK stay; the foreclosure attorney, Citi, and Fannie Mae all knew of the stay. The Chapter 13 moved to a 7 (we finally got paid, and we asked the court to cancel the BK - we will pay our debts).

While we were in the stay, Fannie Mae and Citi foreclosed on the house without notice and trashed out the house of all my furniture, belongings, closets, etc., while we were gone on vacation to see our family. We returned December 27th (four days later) to find our house "broken in to" - the security doors were seriously broken down and EVERYTHING inside and out was thrown out. When we drove up to our house, it had for sale signs in the window and front yard. I called the REO agent listing the house, and they said it was their listing to sell and that they had a buyer already. I asked where my stuff was (assuming it would be in storage) - he said a landfill somewhere.

Citi admitted they were wrong - I have the recorded conversation with their legal department. They misread a letter that said "the consumer was in a bankruptcy stay and the foreclosure was invalid." Someone took the letter to mean valid. What legal department person would see the words Bankruptcy Stay and still move to foreclose??? We got the house back within a few weeks - much to the surprise of the REO agent.

The legal department (on the recording) said to send them an assessment of the damages and the costs to replace and repair. I hired an attorney to write them a letter, then a few more letters, and Citi has ignored every one of them. They owe me about $10,000 for the trashout.

Now Citi has added about $6,000 to my note in foreclosure fees for the illegal foreclosure. Since then, Citi Mortgage has placed a forced escrow on our fixed rate note, taking the payments from $1,065 to $1,500 a month without explanation. I have written them numerous letters showing that I pay for tax and insurance directly and asking them for an explanation of the amounts. I have yet to get a straight answer. I keep paying my monthly mortgage, and it is now considered behind again since they do not credit my account correctly. They say I am in default when I am not.

I get numerous automated calls from them daily. When I answer, they barely speak English, and it is never the same answer. When I mention why they never respond to my attorney's assessment or letters, they put me in limbo and I cannot stay on the line for that. Talking on the phone gets nowhere - writing gets nowhere.

How has this business gotten away with so much of this treatment of consumers??? We really need a strong attorney to hold these companies accountable for what they do to consumers.

We still have the house, but every day when I drive home from work and turn down my street, I have serious anxiety attacks and wonder if there is going to be a for sale sign in the window and all our stuff gone. I am sure I will just have a heart attack and die before I get to the driveway so that I do not have to see the sign. Only then, I guess, I will not worry anymore.

Company: CitiMortgage
Country: USA
State: Ohio
City: Springfield
Phone: 8884928340
Site: citimortgage.com

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