Consumer complaint received 2018-07-24
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought through the program of XXXX  ( XXXX XXXX XXXX XXXX XXXX ), and the closed date was XX/XX/XXXX.,  Escrow No :, this house has two XXXX  PROGRAM LIENS. 
All the professional people involved in this transaction did not explain or discuss or neither was I aware about the problem that will represent this lien on my property. If I would have known, first I wouldnt buy the house and second I wouldnt have be qualified for a loan, because the amount of the lien is charged on the property taxes. 
I called the Tax Collector and they said the amount is because the previous owner did some repairs to the house, and the money is charged in the property tax bill. I called Citi and they said that this issue should have been explained to me during the process of the purchase of the house and they said they cant help us. But again, Escrow, Title,  XXXX, the Realtor who represented me, and all the professional people involved in the transaction did not explain or clear this previous lien. 
Obviously the amount that is increasing my payment makes a drastic change in my financing situation, on the final paper that I received from the bank my payment has to be {$1200.00} including taxes and insurance, now the payment is {$1700.00}, I was never approved for this amount. All the numbers were calculated according to the regular taxes without including the XXXX  Program lien, because no one was either aware of the lien or no one noticed the lien. 

I trusted the people who represent XXXX, I understand that XXXX should protect me as a buyer against predatory lenders, and help me to achieve an affordable mortgage payment. XXXX lenders and underwriters must review all the reports and any information including preliminary reports from title company, I believed they did not review this report because XXXX and Citi accepted to close this transaction without clearing this lien. 
There is no way for me to understand why XXXX and Citi didn't noticed these two assessments that were recorded as a lien against the property that are collected by the county tax collector. Both XXXX and Citi were over my income, I couldn't be qualified for XXXX, that was the listing price of the house, they approved me for {$250000.00} ONLY and I paid the difference, my monthly payment was approved for {$1200.00} and adjusted in XX/XX/XXXX to {$1300.00} and now with these two XXXX   payments I'm paying {$1700.00} since XX/XX/XXXX, an increment of {$410.00} every month, I can't afford this new payment. 
XXXX and Citi had approved the loan without including this XXXX payment, if Citi and XXXX would had included it I wouldn't be approved for this loan, and for sure I wouldn't have bought the house. I went to obtain a copy of the recorded lien and reading the document I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this is unacceptable. That means the price of the house was more than {$300000.00}, with my income impossible to pay it. 
During the transaction no one provided me with the complete documentation of the liens, it was until this year that I obtained. 
I have been sending emails to XXXX, and Citi, but I haven't had a response. 
The XXXX program lien, it's on first position and the closing disclosures requested that Citi has to be in first position, that means if I am not able to pay my mortgage, XXXX can foreclose my house. 
I sent a claim to escrow in which they denied, and I can not afford an attorney, I feel that everybody is avoiding the responsibility of this issue.

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