Usacomplaints.com » Real Estate » Complaint / Review: CitiMortgage - Mortgage loan. #639484

Complaint / Review
CitiMortgage
Mortgage loan

CitiMortgage

RE: Bill # 5003374260

I've for over annually today attempted to obtain some aid from CitiMortgage with this specific mortgage.

At first; (because of my mistake in re financing having a business) I had been not informed, though I’m sure it had been within the fine-print that my new mortgage (approximately 2003) might become flexible following a 2-year period. I had been advised I'd have the ability to refinance in 6 – 8 weeks which didn’t occur since at the conclusion of the 8 weeks they explained that home prices had fallen also it could be difficult to refinance today.

For the reason that time-my mortgage was offered to CitiMortgage. Since that point I've had difficulty with CitiMortgage.

In August I named CitiMortgage looking to get a on my mortgage. Because of divorce/legal costs, etc. I had been having economic issues. I had been informed that to be able to procedure a change, I'd need to be BEHIND on funds 2 weeks. I proceeded to focus on this change, all to no avail. CitiMortgage stated to not have obtained my faxes (despite the fact that I'd evidence) and needed to re-deliver them. Subsequently was informed it could consider 6 – 2 months before any solution might be solidified. Within the meantime, this really is being documented to credit rating companies like a delinquent bill, hence blocking my credit rating within the meantime.By March there is however no aid from CitiMortgage with the possible lack of aid from CitiMortgage and also the additional economic issues, I'd to record bankruptcy. I held the home from the bankruptcy nevertheless, as well as in order to document was informed by my lawyer the 2 funds I had been behind with CitiMortgage would need to be compensated prior to the bankruptcy might be submitted. Therefore in those days through credit money I had been ready to obtain these 2 funds settled. A couple weeks following the bankruptcy filing nevertheless, I obtained paperwork from CitiMortgage displaying the $1900 () that I'd compensated in March wasn't accounted for by CitiMortgage, hence CitiMortgage delivered a change to signal.

Around this day, I’m unsure whether that cash was actually accounted for.

From April, I named in my own mortgage repayments, since I had been blocked from spending online. Every single month I named to pay for, I had been aimed towards the bankruptcy division despite the fact that the home was NEVER within the bankruptcy. Every time I named to create these payments, I had been delivered to this division to create my payments, and every time was informed to pay for $809.68 – that we did. All of this period I’m getting a declaration every month additionally, BUT NEVER does it replicate that I've a late cost, that I'm a payment behind or no such data except the payment per month. At the start of April I named to help make the Sept cost and also the Oct cost and was informed that I had been nearly $3000 in debts! In speaking with somebody at CitiMortgage, I'm informed that SINCE May, just partial funds have now been being utilized – hence my consideration is displaying REALLY overdue and numerous reviews have gone out towards the credit rating companies (like I want anymore poor reviews at the moment). It was due COMPLETELY to CitiMortgage providing me WRONG info. Contained in the payment in Oct (based on the individual getting the cost) was the late fee fees.

In October, I paid $1502 and change, to be able to try to start to correct a number of this. Subsequently in December I called in another cost for $878 and change (any costs which were extra simply to spend). Subsequently in November, I named to create a cost and was again informed I had been a few months behind! Upon examining, CitiMortgage discovered they did certainly possess the verification # of the cost, however it hadn't been utilized. They'd deliver it towards the proper division and attempt to understand this looked after however it usually takes 14 days. Within the meantime, I get a notice seeking my bank account info displaying these funds. Therefore, I acquired these to CitiMortgage, as well as in 2-3 months had obtained a notice declaring the $1700 () could be reapplied to my consideration – plus they might deliver a notice towards the credit rating company in mention of NOV. To start with there have been SEVERAL weeks that there is damaging data documented to these companies (again, because of mis information from CitiMortgage) which have NOT been fixed.

Additionally, this regarding my comprehension is and Flexible Rate Mortgage (again unbeknown tome), as well as in lighting of mortgages prices today as well as in the final year – SOMEHOW my rate of interest continues to be nearly 10%!!! Can there be a reason for this that I’m unaware of?

ALONG WITH that – nowadays 1/13, I obtain a notice stating that due to the delinquency on my account, there'll now be an outside examination of my house, using the costs being put on my account, AND these MIGHT proceed regular

What're you folks attempting to do? Create me shed my home? I've attempted to get a year 5 to obtain some quality, aid, acceptable solutions, some type of helpful tips from CitiMortgage – ALL to no avail. Alternatively I’m obtaining charged for-anything that may be dreamed of, using the possibility of extra costs.

And today, recently 1/18, get still another notice regarding my OVERDUE consideration!

And today an update from my credit history displaying another thing from CitiMortgage! I'm NOT overdue with this consideration! I've created funds which were designed to address and incorrect overdue costs and today JUST possess the Jan cost that's due!!! What else may I do to obtain this straightened OUT??? Something documented from CitiMortgage towards the credit rating companies must have visited appropriate the final access which confirmed overdue.

I'm at the conclusion of the lengthy breakup challenge, simply ultimately shut on my bankruptcy and am attempting THE VERY BEST I UNDERSTAND how to get started creating my credit rating again.

Any reaction that I actually do get is sluggish to obtain below, and evidently crossing over from another division within CitiMortgage as well as your right-hand doesn’t seem to understand what your left-hand does!


Offender: CitiMortgage

Country: USA   State: Georgia   City: Ball Ground

Category: Real Estate

0 comments

Information
Only registered users can leave comments.
Please Register on our website, it will take a few seconds.




Quick Registration via social networks:
Login with FacebookLogin with Google