I was unemployed for several months, called Citi Mortgage in September for a possible loan modification. Was told when I began a new job, to contact Citi Mortgage and start the loan mod process. I called Citi Mortgage on 11/7 and started the process. I submitted all required documents, forms, etc. I called in Dec for an update. Jan 10 I was informed that I was denied because I was current on my payments. I was very upset, kept calling back to the homeowners assistance dept and told by two different Citi Mortgage employee's to skip a few payments and then the modification would be looked at more seriously. I was very concerned about this step, as I have never been late on my mortgage. I skipped Feb called Making Homes Affordable, they called Citi Mortgage with me and started the process again. I again, submitted new documents. I called several times from Feb March April and then my final call was May 2. Throughout these phone calls I continued to be told that my loan was with the underwriter and/or investor. Finally, I recieve an email on May 2 that i was approved for the loan mod trial payments to begin June. I made June, July and August payments on time. I had not heard anything from Citi Mortgage as of August 30, so I called that morning to see if I make my mod payment or my original payment. At that time, I was tol that i was denied for the loan mod due to the type of loan I had, which is a TX A06 or something like that. I was furious, as no one had contacted me about this and I would not have known if I had not called. Now they are wanting $21,000 to handle the loan mod or I can pay $13,000 for past due payments, which I am good with and have the funds set aside, but they cannot explain the extra 6k-7k they are requesting. Everytime, I call, I am told a different story by my executive loan modification team. I am so frustrated. Any suggestions on next steps would be great. You do not treat customers that way. I am thankful that I have detailed notes, however, not sure of best recourse.
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