Consumer complaint received 2020-04-14
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Original mortgage and note are dated XX/XX/XXXX by 2 borrowers, unmarried persons. Borrowers did later marry in XXXX and also divorced in XXXX, final judgement XX/XX/XXXX. Borrower # 2 kept the house and was to refinance. In XXXX, borrower # 1 ( myself ) applied for a refinance of a current mortgage held by me on a different property. My credit was found to have a delinquency on a mortgage with a balance of {$64000.00} by XXXX XXXX XXXX. I called them immediately as I have purchased two homes, numerous vehicles, etc ... and viewed my credit report numerous times in detail and never has this mortgage shown up. My call to XXXX revealed that I remain on the mortgage and the note of the home mentioned above, dated XX/XX/XXXX. I then called the servicer prior to XXXX, XXXX XXXX, who informed me that I was not on the mortgage when it was in their service. Upon further investigation, and information mailed to me by XXXX, I was informed that the mortgage had been modified in XXXX. I was not aware that this mortgage will still open, nor was I aware a modification had occurred. The modification states the " New Principal Balance to be {$65000.00} and changes the terms of the mortgage from a maturity date of XX/XX/XXXX to a maturity date of XX/XX/XXXX. The mortgage modification document appears to be from CitiMortgage, Inc. It's opening line addresses both borrowers by name, including myself. It states signature requirements of both borrowers on item 10. On the final page it shows a space for both signatures, but shows my name lined through and " N/A '' handwritten. The final page also states " Accepted and agreed to by CitiMortgage Inc. Successor by Merger to XXXX XXXX XXXX XXXXXXXX ". I have attempted to have this removed from my credit but told that I remain on the mortgage and note. If this is accurate, and I am still held accountable for this mortgage, how was it acceptable and rightful to modify the mortgage without my consent? If I remain on the mortgage and note, then an additional 24 years of debt responsibility was placed on me without my consent. There are indications on credit markings that the loan has been modified more than once, however this is the only paperwork I can find. Other servicers don't show me as responsible or on the mortgage so they decline to provide me with info ( XXXX for example ). Either I am on the mortgage/note or I am not. If I am not, my credit should not reflect any default by borrower # 2. If I am, then no modifications should have been made without my consent. Obtaining mortgage information on a mortgage that has directly and suddenly shown up on my credit when previously not there for nearly 2 decades, has been near impossible. CitiMortgage homeowner support team offers me nothing and states there are no mortgages that reflect my name, nor do they have the provided servicer number in their system ( info directly from the modification agreement ). I am in a very difficult situation as a consumer. Backed into a corner in which I am told by some that I am responsible for this, yet I can not get answers or information from all sources. No one can provide an answer as to why modification ( s ) have been made without my consent. I have filed and had our original divorce case reopened with XXXX XXXX Circuit Court in Alabama as a start. I am preparing to send notification to the FCRA via my attorney as well. I simply need help and guidance in this matter. I can not obtain information and answers on something that has affected my credit. I'm held responsible for it via my credit report and being held to 24 years extended debt that I knew nothing about, yet no one will give me answers on how this happened, or what I can do. I would have never consented to any sort of modification. As a consumer, I feel I have been taken advantage of by a mortgage company that chooses to report to the credit bureau with my name, yet changes terms without my consent. The modifications are reflected on 2 credit bureaus reports of mine, yet I wasn't asked for consent. If a company felt they had a right to modify without my consent, how can they rightfully mark my credit negatively? I can't even get a proper paper trail because half of the servicers that have handled the mortgage won't speak to me because they say I am not on it. I need assistance with this matter. I have a letter stating that the owner of the mortgage is XXXX XXXX in it's capacity as Trustee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation