Consumer complaint received 2017-08-08
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am filing this complaint against CitiMortgage, Inc. ( CITI ) due to their, in my opinion, illegal, unprofessional and unethical servicing, recording and accounting of the mortgage lien ( Account # XXXX, the Mortgage ) I was personally liable for on the single family residence located at XXXX XXXX XXXX , XXXX XXXX, TX XXXX ( the Property ). On XX/XX/XXXX, due to extenuating circumstances, I was forced to file Chapter XXXX Bankruptcy ( see attached XXXX Chapter XXXX BK Filing, the BK ). Clearly included in the BK were the Property and the Mortgage. For ease of understanding, I have pulled and isolated ( see attached XXXX BK Isolated Pages ) Page 8, XXXX XXXX ( Property Claimed as Exempt ), Page 10, XXXX XXXX ( Creditors Holding Secured Claims ) and Page 34, Chapter XXXX Individual Debtors Statement of Intention. It is clear, based on the information presented, that it was my intent to retain the Property and to continue paying the Mortgage. Based on this premise, I continued to reside at the Property and pay the Mortgage from XX/XX/XXXX through on or about XX/XX/XXXX. On or about XX/XX/XXXX, I decided to sell the Property. When I contacted CITI they informed me that I no longer owned the Property and had not owned it for quite some time. When I asked how this could be, they informed that the Mortgage and Title were included in the BK and were never Reaffirmed. When I heard this shocking news, I was very upset, but was told there was nothing that could be done to rectify the situation. Based on the information given, I made the decision to vacate the property and discontinue making monthly payments on the Mortgage. Once I stopped making payments and vacated the Property, CITI foreclosed in XX/XX/XXXX. I would have never foreclosed on the Property in XX/XX/XXXX, I was a in a position to sell the Property and pay-off the Mortgage. Not only do I feel a loss of potential profit from the sale of Property, the foreclosure filing has had a very negative impact on my personal credit score. I am in the process of buying a home. The Mortgage and BK are not showing on my credit report, however the Mortgage Company I am applying with ran a Fraud Alert report and the Mortgage is being reported as a foreclosure in XX/XX/XXXX and preventing me from purchasing a new home under Conventional Mortgage financing. I asked CITI to scan and email my payment history and paper work related to the Non-Affirmation of the Mortgage and Title to the Property and they refused stating that they could only mail it. At this point, I feel extremely frustrated, mislead and mistreated by CITI. Their failure to communicate with me, upfront and honestly, regarding the Reaffirmation of the Property and Title has caused a major  inaccurate and untrue dilemma to my personal credit and ability to purchase a home. I feel they should be legally required to immediately write a Letter of Explanation to the current Mortgage Company I am applying with, stating they took ownership in XX/XX/XXXX, and file all necessary paper work with the County and all three Credit Bureaus stating that the Property was foreclosed on in error and that no foreclosure exists. I would also like to file for maximum damages for profit lost on the potential sale of Property that was prevented back in XX/XX/XXXX.

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