Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I came home XX/XX/XXXX from out of town to find XXXX letters from CitiMortgage, which confused me because I did n't know why. XXXX letter stated that I owed {$8000.00} by XXXX/XXXX/XXXX and the other XXXX stated I owed {$7100.00} by XXXX/XXXX/XXXX. With me being in Bankruptcy I first called the attorney to see why I received the letters and they knew nothing about them. I was then told by the paralegal that Citi sent me a letter XX/XX/XXXX stating if a payment was n't made a motion for relief would be filed. I also reached out to XXXX XXXX on XXXX XXXX, XXXX, and XXXX XXXX, XXXX through email because his name was on the letter stating to contact him, but I never received a response to the email. I then call Citi to find out about the letter they sent me, and was told that the letter was n't sent to me it was sent to my attorney which is supposed to send it to me. As of today XXXX/XXXX/XXXX I still have not seen this letter. I call Citi back to find out what exactly I need to do, since the attorney never still the letter to me. I was told all I could do was try to get a modification, which I really did n't need because I was only due for XX/XX/XXXX, but due to the bankruptcy attorney not sending the letter to me XX/XX/XXXX Citi filed a motion for relief, which is why I received the letters XX/XX/XXXX because at that time the attorney is no longer the middle person. I started the mod process the last week of XXXX XXXX, which I was told right off back it was looking good. I submitted all documents that were asked for, and received emails weekly stating that no further documents are needed at this time every week after, stating that the underwriter 's are still working on my file. All of a sudden I received an email on XX/XX/XXXX Stating the underwriter has requested updated documents because the items on file have expired. This was strange to me because every email before that no docs were needed. The same email also states in parenthesis ( you can probably use the same ones you sent us originally, just use some white-out and update the date ) This is FRAUD. I once again filled out everything all over again and faxed them back to XXXX XXXX XXXX, which I also emailed him to verify if the docs were received, the first email no reply, I turned around and sent the same email again XXXX on XXXX/XXXX/XXXX, and the other on XXXX XXXX XXXX which was last Friday, I finally got a response. XXXX told me I sorry to inform you but the file has been closed by the underwriter, and that he is going to have to dig through the documents and see what he can rescue so that he does n't have to ask for items that are not needed. He then tells me that because of time restraints, he will not be able to do that now but he will set a reminder in his schedule to give him time to review what they had on file. None of this makes sense to me when I was just asked to resubmit everything. I replied back to his email asking about the status of everything and he has not replied back. I have been told they Citi has customers to send in all these documents, only for them to never review them, because they want the documents to expire and they want you to go in foreclosure, this has been going on since XX/XX/XXXX. Which now at this point from the letter I received in the mail I am now in foreclosure, which is a little confusing because I was just asked to resend all documents. I do have every email that has been sent to me if I need to pass these on to someone for review.

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