I paid my mortgage in March on CitiMortgage's web site. CitiMortgage doubled my payment and explained it as a glitch in their system. They also stated that it would take a minimum of five business days for them to credit the unauthorized amount back to me. I told them not to credit it back to me, as I was already $900 overdrawn because of this, and stated that I would simply dispute the charge at my personal bank. I did this to avoid further overdrafts and penalties.
While I was in the process of disputing the unauthorized amount, Citi refunded it. I then dissolved the dispute with my bank, and they in turn refunded Citi the disputed amount. I then found out, due to collection phone calls, that Citi never posted the refunded amount from the dispute to my account. I contacted my bank and sent them the ACH tracking number so they could credit it to my account. They were given the ACH number and my personal bank statements on the 25th of March so they could send them to their research department.
I have since been in contact with three people: Jona, her supervisor Dihn, and now his supervisor Nancy Fuentez. None of them will answer the phone when I call, nor will they return messages left for them. For example, I left Nancy three messages yesterday and two already today. Meanwhile, I am receiving collection phone calls at home and at work! I am receiving collection notices in the mail. And they have reported to the credit bureau three separate 30-days-late marks.
I am running out of options to resolve this situation since they will no longer communicate with me. Please help.
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