Consumer complaint received 2016-05-26
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of the XX/XX/XXXX/XX/XX/XXXX housing failure. I was able to modify my XXXX Mortgage with XXXX XXXX back in XX/XX/XXXX. All has been great, I 've made all required payments, and am now at the end of the HAMP ( Modification process ). Unfortunately CitiMortgage who held the XXXX did not comply with the HAMP Program and Modify or Extinguish their Loan ( as per the HAMP Program Rules ). But here 's where it gets confusing ( to me ), after receiving my end of year tax statement from Citi in XX/XX/XXXX, the statement read, Owed - {$100000.00}, Paid - {$100000.00} and the balance was XXXX, I thought all was good and that Citi Extinguished the loan, and I have n't heard from Citi Mortgage in 7 years. And when I call the CitiMotrtgage Bankruptcy number, it states, " We no longer manage this loan, it has been paid in full on XXXX XXXX, XXXX ''. 
Then, I went to re-finance XX/XX/XXXX, and now XXXX years later, I found out CitiMortgage sent my Loan off to the Recovery Dept., and held the Lien on my house. They did nothing to work this out ... I have all my notes from XX/XX/XXXX of who I spoke to on what days, etc., with Citi, and all of my effort to do the right thing back in XX/XX/XXXX. I have sent these notes to them twice, and do n't believe for a second anyone read any of it. I say this because the last time I called and spoke to them, they kept asking me questions that would have been easily answered, if they had taken the time to read my comments. And CitiMortgage has admitted to me on the phone they did n't get all my paperwork I sent them, to the correct Dept. Their mistake never allowed me to modify the XXXX Mortgage. They dropped the ball so many times, gave me the complete run around, transferred me to dept., after dept., told me the Modification was under way, but they did nothing to comply with the HAMP Program. 
They are now still holding the Lien on my house for {$100000.00}, and are telling me that they wo n't release the lien until I pay them in full ... but after finally speaking to the right person, they say now they 'll take at least 25 % of that loan. Or they tell me to do a short sale. I 've put too much blood sweat and tears into my home, and I 'm not walking away at this point!!!!! Besides CitiMortgage is Triple dipping here!! They wrote this loan off as a bad debt. in XX/XX/XXXX, took in money from the Obama bailout, and now want me to pay for a loan that they should have extinguished in the first place!! I have since offered them {$5000.00} dollars to settle this. They refused and countered back with the 25 %. I ca n't do this! I countered back with $ XXXX to $ XXXX, but have not heard back from them. I would be borrowing this money, because I do n't have this kind of money in the bank. And paying this back will take me forever ... 
I am asking for your help with this matter. I want them to extinguish this loan. I tried very hard to get them to comply with the HAMP Program in XX/XX/XXXX, and they totally messed everything up.

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