Consumer complaint received 2019-07-12
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from Citibank dated XX/XX/XXXX, indicating that a recent review of my home equity account had identified errors that occurred during the processing of my modification dated XX/XX/XXXX. I have been extremely upset that I have no understanding of why it would take nine years for Citibank to contact me regarding errors of my loan modifications so I did some research on the internet. I found out that CFPB ordered Citi Financial to pay {$28.00} XXXX in damages for the incorrect handling of loan modifications. 
Finding this information has caused me great stress because CitiMortgage held my primary mortgage in XXXX, which was also modified. Conveniently CitiMortgage sold my mortgage to XXXX XXXX in XX/XX/XXXX ( copy of letter attached ) and has never addressed any errors in my modification process. 
CitiMortgage ruined my life financially for years through their modification process. One of the outrageous things CitiMortgage did was listed my repayment agreement on my credit report as a foreclosure which caused me credit issues for years. I found out of the foreclosure being listed on my credit history because I was denied credit from XXXX XXXX. This foreclosure never happened, still today, I reside in the home that CitiMortgage identified as beginning foreclosed. At the time, I contact CitiMortgage and the three credit agencies to have this corrected but CitiMortgage refused to correct it. They addressed the matter saying that they had a right under the terms of my repayment agreement to identify my modification as a foreclosure. Attached is a copy of my XXXX credit report from XX/XX/XXXX, showing the false reporting CitiMortgage sent the credit agencies in XXXX and XXXX of XXXX. I have attached the letter dated XX/XX/XXXX, I sent CitiMortgage request the removal of this incorrect information. I received the attached letter from CitiMortgage dated XX/XX/XXXX, clearly indicating that they would not change their incorrect reporting. Also, Ive attached my follow-up letter for CitiMortgage dated XX/XX/XXXX, again requesting the inaccurate reporting be corrected. CitiMortgage never disclosed to me that this foreclosure reporting would take place even though I completely met my obligations under the repayment plan. 
CitiMortgage definitely sent inaccurate consumer information to credit reporting companies and failed to investigate my consumer dispute. Citibank is issuing a credit to my home equity loan due to their incorrect process, therefore I question whether CitiMortgage has also incorrectly processed my modification back in XXXX and whether Im entitled to damages as set forth by CFPB order. 
Im looking for CitiMortgage to address whether the processing of my XXXX modification was processed correctly. Specifically, I need them to address the damage to my credit history they created. 
I would appreciate any information you can provide me.

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