Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, my wife and I became victims of CitiMortgage our mortgage company first, by seeking a modification and being told we had to first be 2 months behind. They then took 12 months to process the modification and created an additional {$30000.00} dollar principal balance increase and the monthly payment remained about the same. 
When we made our XXXX modification payment t we were told to only sent the difference of the amount due since we had a {$700.00} credit on the account. We were later notified that our payment was considered late due to not sending the complete amount. We contacted them and even though they could see our credit in their system they could not move the amount to complete the XXXX. payment, so it was late they and they would not help us any further. We sent the remaining balance but were then forced to seek out assistance from what was happening to us by them We then entered program with a person named XXXX XXXX whom promised to help us by paying off our note with Citimortgage and then charging us an amount comparable to the market value of our home, at that time. We signed up and unfortunately spent almost 4 years paying attorneys fees to keep our house out of foreclosure. Well that fraudulent person was recently convicted and sentenced for Mortgage Fraud. During that time the bank was refusing to work with us at all. 
We were then forced to open a claim against the bank and they finally allowed us to submit our information for another modification and on XX/XX/XXXX we were approved for a Fannie May-modification plan. We were asked to start making trial payments ; however, their letter stated that they would suspend their foreclosure proceedings and not move to conduct a foreclosure sale after the our XXXX trial payment was received. However, After they received the XXXX payment all they did was postpone the sale date instead of stopping the foreclosure sale proceedings. We contacted their attorney but his response was that by postponing the foreclosure sale date they met their obligation to the agreement. I explained and sent him a copy of the agreement and told him that the Foreclosure was to be suspended from conducting a sale and that a postponement meant that the sale was still active and just re-scheduled to a different auction sale date. 
Their attorney, XXXX XXXX XXXX, recently proceeded to threaten me with a claim to sue if I did not provide him and Citimortgage a " Letter of Rescission '' from XXXX XXXX, who is currently incarcerated and sentenced in a Federal prison. I fail to understand why I should continue to be victimized by Citimortgage and their attorneys for a document that I have no real means to secure. This matter of a " Letter of Rescission '' is between Citimortgage and XXXX XXXX and they should pursue him with a claim. I had previously given their former attorney XXXX XXXX XXXX XXXX all he contact information for XXXX XXXX and his incarceration details to contact him for a claim they were preparing on XXXX XXXX, supposedly. I contacted the Department of Justice 's Victim/Witness department anyways for fear that Citimortgage would cancel my modification process and they responded favorably and they will try to get XXXX XXXX, who is currently incarcerated, to sign the letter of Rescission by XXXX XXXX for CitiMortgage. 
I believe that Citimortgage is not honoring their obligation as stated in their approval letter by not suspending the foreclosure proceedings. I also fear they will continue to try to sell my home, or cancel my modification process because of my claim, in spite of my efforts to work with them and provide them with the documents they have asked in a timely manner, even with the help of the D.O.J. I confirmed on XX/XX/XXXX that my second payment was received and I emailed their attorney XXXX XXXX XXXX but the sale date is till active for XX/XX/XXXX.

Company response to consumer: Closed with explanation