Consumer complaint received 2015-09-30
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX my XXXX at work. I could n't work any longer because I had difficulty standing & walking. The current mortgage & second mortgage that I still owe today are more than what they should currently be. The reason I say this is I have proof that the Insurance company ( Mortgage Protection Insurance ) I took out as backup in case I got hurt or fell sick would pick up my payments for five years. They were a big help to me as I am XXXX & can no longer be employed. My contacting you is this reason as follows. From the time of my being XXXX & not able to work the ( MPI ) paid directly to the first & second mortgage holders. On XXXX XXXX, XXXX said first mortgage balance bill was for {$72000.00} & second mortgage was {$8600.00}. Meanwhile I got a letter from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that the money they paid in to date for the first mortgage was {$41000.00}. And the second mortgage paid to date from XXXX XXXX XXXX XXXX paid {$7700.00}. My question to you is this if the first mortgage from CitiFinance ( XXXX ) XXXX on XXXX/XXXX/XXXX balance of {$72000.00} - {$41000.00} from XXXX XXXX XXXX XXXX ( XXXX ) XXXX paid in to date, gives me a balance owed to CitiFinancial of {$31000.00}. CitiFinancial states I owe them {$67000.00}. The second XXXX the same thing, I owe CitiFinancial to which they sold the second mortgage to XXXX, {$8600.00} - {$7700.00} that XXXX XXXX XXXX XXXX paid in to date ( payments for 52 months & said bill from them state that I owe them to date, {$6700.00} & I, under the DRS care to prove this ) balance should be $ XXXX.Current balance for CitiFinancial billing XXXX for the first mortgage owed current {$67000.00} & second mortgage currently owed to XXXX {$6700.00}. Why do I owe these mortgage companies this much money when XXXX XXXX XXXX XXXX paid CitiFinancial {$41000.00} & XXXX XXXX {$7700.00}. My balance should be for CitiFinancial {$31000.00} & {$980.00} for XXXX..With my totals of all the money XXXX XXXX & XXXX XXXX XXXX XXXX accounts of {$32000.00}, I am being overcharged {$41000.00}. All interest charges during this duration was waved because Im XXXX. These companies applied payments from XXXX XXXX XXXX XXXX directly to their interest which should of reflected a whole lot more paid down each month & practly nothing put to principal. When they get this kind of money from the insurance company, why do they pocket everything & it only reflect the very little interest paid in & the bill never goes down.I have questioned them on this before & I could n't get a reasonable answer. I feel I have been ripped off. These people are not the greatest ones to communicate with. I 've had issues with them & their practices. Can you check on this for me. I am on a very limited budget being on XXXX & all. I was going to get a lawyer but I was told I should contact you first. I really need a miracle if you got XXXX for me please! thank you XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief