CitiMortgage
Sale Date Set During Modification Review, Payments Refused

I have reached out to an attorney, not a loan mod attorney, a real attorney, because I do not know what else to do. Throughout this process I was told foreclosure proceedings would be postponed while I was in the modification process, and then I received a notice of foreclosure. The notice says a representative contacted me on 6/7. That is a bold-faced lie. I IMMEDIATELY tried to make a payment, and they would not accept it. I was then told there would be no sale date while in the loan mod process, and I now have a sale date, and they still will not accept a payment.

I have been told for 3 months now that my loan is "locked" and that it is Citi's error and they are working to fix it. I asked, if it is not fixed by the sale date, do I lose my home, and they said YES. I then went into the branch for help and was told to try another modification program, so I did, only to learn that I NEVER qualified to BEGIN WITH for the original loan mod program. I have been lied to, hung up on, and given hoop after hoop to jump through, and I have jumped. CitiMortgage has without a doubt FAILED to make any attempt whatsoever to help me avoid foreclosure.

Funny thing is, my home has value. Maybe it is in the best interest of Citi to foreclose. I wonder how many homeowners they have foreclosed on while in the modification process, and I wonder how many of them had value in their homes. My aunt is experiencing a run-around as well. Her husband having lung cancer is not a hardship according to Citi. Their home has value too.

I intend to pursue this to the full extent of my power and the law.

My message to an attorney:

I have been in the loan modification process for 8 months with CitiMortgage. I have jumped through hoop after hoop and have been told lie after lie, only to find out last night that I did not qualify for the loan mod I was in. My sale date is Dec 20, and I now have to start the loan mod process under a new program. My gut tells me that it is in CitiMortgage's best interest to foreclose, because my house has value. I am not upside down. I have been in the mortgage industry for over 10 years, so when my company crashed in 2007, I spent the last 3 years trying to hang on to my home and just hang on. I am working now with Wells Fargo, and have pleaded with them, only to hear "this is the thing." I have been hung up on, I have been thrown back into the call queue. It is endless. I would truly like to see how many homes they have foreclosed on where the circumstances were similar to mine, where the homeowner was just given the run-around until it was too late. I bet their homes had value as well.

Also sent to the attorney:

I would also like to add that my aunt is going through the modification process with Citi too, for about 8 months as well. She has made her payments but has occasionally been late. She was laid off a little over a year ago, then last year her husband was diagnosed with lung cancer and had to retire early, and all that information was in the hardship letter to Citi. My aunt was declined; Citi said she did not have enough hardship. My aunt's home has value as well.

I told the lady I spoke to today in the Loss Mitigation department that I will nail a letter to the wall of my house telling the story of how CitiMortgage did this to me, right above my cold dead body. My husband calls me at work every hour to make sure I have not killed myself.

Company: CitiMortgage
Country: USA

  <     >