Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1 ) CitiMortgage did not provide notice of transfer of servicing rights to XXXX. XXXX has provided me documentation the loan was sold to them on XXXX/XXXX/XXXX. This is concerning as there is a documented history with CitiMortgage of discrepancies of the account balance, loss mitigation errors with documentation filed at the XXXX XXXX Court as well as previous complaints filed with the CFPB and OCC. I attempted every possible solution to work with CitiMortgage and they refused forcing me to file bankruptcy. 
2 ) I was in Bankruptcy, CitiMortgage continued to file motions to lift stay and increase payments over {$400.00} a month without providing any notice to the Court the mortgage was sold. 
3 ) CitiMortgage lists the account on their website as paid in full and that I am now responsible for the taxes and insurance. 
4 ) This was an FHA mortgage and received notice of early payoff. 
5 ) XXXX is now threatening foreclosure. 
Background and More Information CitiMortgage began servicing our home loan in XXXX. Due to several issues of servicing the account and loss mitigation abuses, we filed previous complaints with the CFPB as well as the OCC. CitiMortgage would respond to CFPB and OCC with intentional misinformation to cover the intentional mishandling of the account. 

In XXXX, XXXX and XXXX of XXXX we made trial modification payments and were informed the loan would be modified. However, the loan was never modified and CitiMortgage later stated they did not receive the paperwork. However, the modification documents with the amount paid to CitiMortgage is on file in XXXX XXXX in XXXX, Alabama. 
In XXXX XXXX, while in Loss and Mitigation, we submitted documents to CitiMortgage repeatedly and directly through their attorney, but CitiMortgage refused to stop foreclosure scheduled for XXXX XXXX, XXXX. I, XXXX XXXX, had to file bankruptcy to stop the foreclosure sale. In addition, CitiMortgage sent locksmiths out to change the locks. I submitted additional documents repeatedly to CitiMortgage, but I continued to be misled. I was told I was denied and requested a review. Their review only lasted one day and they sent to foreclose. CitiMortgage attempted to foreclose again while in loss and mitigation on XXXX XXXX, XXXX. The bankruptcy was previously dismissed and I obtained an attorney. I refiled the bankruptcy and again submitted documents to CitiMortgage without any response. I filed a complaint with OCC which CitiMortgage response was that I was now in bankruptcy, but never addressed the discrepancy in the account. CitiMortgage repeatedly filed motions with the court have the stay lifted and was denied by the Court and did not provide any proper claim to the court. 
In XXXX XXXX, I received notice from XXXX that they now service my loan. However, to this day, I have never received notice from CitiMortgage of transfer of servicing of my loan. The loan was sold on XXXX XXXX, XXXX. However, CitiMortgage continued to file motions with the court with a hearing on XXXX/XXXX/XXXX never disclosing to the Court or to me the loan was sold. In addition, in XXXX CitiMortgage filed paperwork with the court raising my monthly payment from {$1700.00} to over {$2100.00} a month. This ongoing filing with the Court by CitiMortgage contributed to the case ultimately being dismissed. XXXX is now sending threatening letters of foreclosure. We are asking for a full review and correction of how this mortgage has been handled. In addition, the initial transfer of servicing was effected in XXXX during foreclosure by law firm which my concern is a result of robo-signing and CitiMortgage never had standing to foreclose.

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