Consumer complaint received 2017-05-01
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
SINCE  XXXX  I HAVE BEEN TRYING TO OBTAIN AN FHA HAMP MODIFICATION AND PARTIAL CLAIM. CITI BANK HAS BEEN WRONGFULLY DENYING ME MORTGAGE ASSISTANCE AND NOW IS TRYING TO FORESCLOSE ON MY HOME ON   XXXX   XXXX   XXXX  . PRESENTLYT IT IS A COMPLETE APPLICATION UNDER REVIEW FOR FHA HAMP, BUT THEY KEEP CONTINUING TO SALE MY PROPERTY WHILE MODIFICATION APPLICATION PENDING ( /DUAL-TRACKING ) I ALWAYS HAD A MODIFICATION UNDER REVIEW WITH  CITI  AND  CITI  MORTGAGE CONTINUES TO DELAY MY ELIGIBLITY FOR FHA HAMP.I WAS RECENTLY AND HAVE BEEN GETTING WRONGFULLY DENIED MORTGAGE ASSISTANCE THROUGH FHA HAMP, PARTIAL CLAIM/ COMBO. AS A MATTER OF FACT,  CITI DIDNT E VEN REVIEW MY LOAN FOR ALL MORTGAGE ASSISTANCE PROGRAMS THROUGH FHA AND THE DENIAL REASON WAS INACCURATE. SINCE  XXXX , CITI MORTGAGE DENIED ME WRONGFULLY FOR MORTGAGE ASSISTANCE, IN FACT, FHA ALLOWS FOR A PARTIAL CLAIM IN WHICH YOU ARE ELIGIBLE EVEN IF 36 MONTHS PAST DUE OR  XXXX  IN PAYMENTS. PLEASE SEE ATTACHED MORTGAGE LETTER  XXXX  -- --  CIT  MORTGAGE ALSO HAS ANOTHER APPLICATION COMPLETE ON FILE AND CURRENTLY HAS MY PROPERTY LISTED UNDER SHERIFF SALE THIS  XX/XX/XXXX . I applied for the Making Home Affordable program ( REDUCED interest rate ) FHA  HAMP  partiAL CLAIM  COMBO  through my mortgage lender,  CITI.  SINCE 2012  MY HARDSHIP WAS WHEN MY HOME SUFFERED A FIRE AND SEVERE DAMAGE TO THE PROPERTY.MY INS HAS BEEN DELAYING FIXING THE PROPERTY WHICH THERE IS NO KITCHEN, AND THE VALUE IS UNDER  XXXX . I OWE OVER  XXXX  TO CITI AND WANT A MAXIMUM PARTIAL CLAIM. I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. To make ends meet, I exhausted all my reserves and looked for help from  XXXX . I want to be evaluated for every loan modification alternative including the FHA HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the FHA HAMP program as well as any incentives. CITI constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ) .Factor the FHA partial claim up to  XXXX  of 3 years in monthly payment can be put into a partial claim according to the attached Mortgagee letter  XXXX .       I also attached Supplemental Directive  XXXX  to ensure that  CITI  evaluates ME and accepts me into FHA HAMP modification Partial claim program.     And I attached A a Bonus, Mortgagee letter  XXXX  from FHA, see attached. This mortgage letter effective since   XXXX   XXXX   - -  CITI have to follow the guidelines for all FHA loans modification reviews and policies.PLEASE REFER TO THE ATTACHED MORTGAGEE LETTER  XXXX  Specifically -- -- - ( CHANGES TO FHA 'S EXISTING LOSS MITIGATION HOME RETENTION OPTIONS ) -- -- -, SPECIFICALLY : Eliminating the FHA-HAMP maximum Back End Ratio I have been getting denied and approved for mortgage assistance programs wrongfully SINCE  XXXX  WHEN THERE WAS A FIRE AT MY HOME. When the entire time since   XXXX   per Mortgagee letter  XXXX , i am entitled to reduction interest rate, payment, principle, partial claim, etc.

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