Consumer complaint received 2015-05-07
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A couple of months ago I had contacted my mortgage co. to see if there is anything that I could do, such as a loan modification, etc, as I am currently on XXXX and am struggling to make the payments. I had missed XXXX payments 2 years ago due to illness, but have continued to make the payments since then. Although I have not received an official foreclosure notice, I seem to keep getting letters from XXXX different states implying that this is what is happening. When I ask them directly if this is what their intention is, I receive no response. This mortgage has gone from {$90000.00} to XXXX. I refuse to let them do this over XXXX payments that I am trying to catch up on, and was the reason that I had contacted them in the first place. 

When I started this process a few months ago, I was assigned an XXXX, which I had seemed to find out later, that this person has nothing to do with any decision at all, but just sends emails and attempts to collect information. So far, I have not had any contact with the underwriter who apparently has my fate in his or her hands. The XXXX Specialist left after a few weeks, I was assigned another, and now am in communication with a XXXX. I have complied with all of their requests, needing at times to have information sent to them in a XXXX day time frame. I have done that. This week, I had received a folder delivered via XXXX in which they stated that they needed more information, and that the due date for this information is XXXX XXXX, 2015. I find this to be more reasonable, has it will take me more time to collect this information as I do not even have it myself. That was on XXXX XXXX. On XXXX XXXX, I received an email stating that this same information needed to be sent in by XXXX XXXX, in XXXX days, from the same company. I emailed them and told them that I would be unable to get this information to them, that I had already received a different date via the letter, from them and that I would honor the date on the letter, as well as being very upset about how this is being handled. The next day, I received an email from the Specialist, who is the only person I am in contact with, stating that he was the one that sent the letter, even though this makes not sense to me, and that the reason for the XXXX day period to submit information is due to the escalation that they are attempting to do with this issue. I did n't know there was an 'escalation. ' It states in the email ... 'If you can not send your documentation until XXXX XXXX, 2015 then I will need to close out my escalated case. I will still be assigned to your account and it can still be reviewed. ' It goes on to state that beyond that date would mean that it would be sent to another department, under that same persons supervision. Now, this may seem to be very simple, but in all of the communication that we have had, there is this quiet sense of veiled threat that if I do n't jump every XXXX minutes, that something is going to happen. What would have happened if I had not been available on XXXX XXXX to respond to the email that required information by XXXX XXXX, even though I had received the letters stating XXXX XXXX as the deadline the day before? I am becoming very concerned, afraid, and upset about the way everything is happening. I have no say in what is being discussed or decided, as I am not in contact with the actual people who are working on this. I think this may have been a very bad idea, although I thought I was doing the right thing. I am beginning to think that there are a group of people that are sitting around deciding how many hoops to have me jump through as quickly as possible so they can take away my home anyway, even though they are supposed to be 'helping ' me. 

I need some help with this situation, as I really do n't know what is happening. Please send further information if possible. 
Thanks

Company response to consumer: Closed with non-monetary relief