Consumer complaint received 2015-06-11
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I lost the majority of my business and my income decreased by 75 %. I approached company CitiMortgage and informed them that I would not be able to make payments. They offered possible solutions including Modification and I agreed to begin the process in XXXX XXXX. From XXXX XXXX until XXXX XXXX I kept sending and re-sending the documents they requested and finally was approved. I was put on 90 days of trial payments beginning XXXX XXXX, XXXX. I had to call CitiMortgage on XXXX XXXX to remind them to take the agreed payment. For the next XXXX months I made my agreed to payments on time. At the end of the trial period I was told I would receive final documents, Those documents never arrived until XXXX. When I called to inquire I was told I was assigned to a new support specialist. Upon receipt of the documents I was to sign along with my wife, who was not listed on the mortgage but was required to sign because of the marital property laws. We signed had them notarized and returned them and soon was contacted and told that XXXX the documents required both signatures but did not indicate such. I was told by the support specialist I would need to complete the entire process again, re-sign and notarize an entire new set of documents. I faxed them the document in question and heard nothing. I had made all of my payments through XXXX and quit the payments until they cleared up the document issue. I was notified that I had been assigned to a new support specialist ( the XXXX XXXX ) and never heard from the person. In XXXX XXXX I found out that CitiMortgage had filed a Foreclosure judgment against me. When I contacted the support specialist he confirmed the filing and I told him I did n't want foreclosure. He suggested we re-open the file and I began the process of submitting all the required documents, as I did in XXXX XXXX. I sent a registered letter to the CEO of CitiMortgage outlining the gross incompetency of the organization and this massive run around I had gone through. At the end of XXXX XXXX I was contacted by a support specialists from the executive response team. She said she could n't explain all that had happened but would look into the matter. Once a week for 3 weeks she called me and finally suggested that if I could make the XXXX payments she may be able to reinstate the modification. One week later was notified by e-mail I had a new specialists and to date I have never heard from him. In XXXX I received a call from XXXX at CitiMortgage he was calling to find out what was going on with my mortgage, I told the same story. He called the next week and said he would contact the person on the exec.response team and have him contact me, to date no contact. I have been contacted by yet another person at Citi asking me what is going on with my mortgage after explaining it all again she said she could n't explain this mix up but would look into the issue, that was two weeks ago and nothing since. I am now two years into trying to pay a mortgage and save my home and all this incompetency continues. I received a summons two weeks ago from the foreclosure attorneys giving me 30 days to pay {$130000.00}, I have answered the summons asking for a 60 day extension. I have more specifics, times, dates and people which I have not included in this statement. CitiMortgage has mishandled this beyond belief. This is a FHA mortgage with 8 years left ( out of XXXX ) and never a late payment.

Company response to consumer: Closed with explanation