Consumer complaint received 2016-02-15
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi There, How are you today? CitiMortgage is trying to sell our house on XXXX/XXXX/XXXX. We agree that we had a hard time from early XXXX to XXXX. First and foremost we have always wanted to pay our mortgage. Here is pretty much our timeline. 

1. My husband lost his job in XXXX due to the fact that our daughter was severely XXXX. We used our savings to pay our mortgage and bills until our XXXX ran out in XXXX of XXXX. We have XXXX children and XXXX of them also has a lot XXXX. 

2. At the same time the economy was pretty bad so my XXXX business took a turn for the worse. 
3. We talked with Citi in XXXX and they said they could not do anything for us because we did not have much income. 
4. In XXXX of XXXX we filed for Bankruptcy to stop the sale of our house. 
5. In XXXX of XXXX my husband received a good paying job. We immediately contacted Citi to try and get our home re-done. I have copies of the Making Home Affordable Paperwork that we filed in late XXXX. 
6. In XXXX of XXXX we filed for bankruptcy again. 
7. I have email correspondence going back to late XXXX XXXX with a XXXX XXXX saying they were reviewing the loan. 
8. At that time Citi had been with XXXX, XXXX XXXX, and XXXX. They were a law firm that got in legal trouble because they were miss-filing foreclosure stuff. XXXX of the articles on this was XXXX XXXX. 
The law firm I guess re-structured with a new name because the same attorneys were used but were under the name XXXX XXXX XXXX 9. I was never told why the first Loan was denied. 
10. Meanwhile Citi just kept making our payment larger each month until it got up to a XXXX mortgage amount, which was a ridiculous payment on a mortgage of {$400000.00} with a fixed rate of XXXX XXXX for a term of 30 years. 
11. We were now dealing with XXXX XXXX in Citi in late XXXX and were re-directed to re-file again 12. After months of giving them every piece of paper they asked for, we were still not getting any answers. 
13. We then went to XXXX Law Firm in XXXX of XXXX to try and get this done and continued with the Law Firm of XXXX XXXX when the name changed. 

We have always responded very quickly to Citi 's requests for paperwork. It was usually the same day or no more than a couple of days. At the most it was one week. 
Meanwhile CitiGroup has received a lot of funds from the government to supposedly help homeowners like us and XXXX article in XXXX where it agreed to use XXXX to help homeowners like us XXXX articles are XXXX XXXX 1.Is there a way to stop CitiMortgage from selling our house? We have asked our lawyer if we can sue just to stop the sale. 
2.We have been trying to re-do our mortgage for over 4 years. 
3.Meanwhile all 's that they have done is to keep racking up what they say we owe 4.Our mortgage balance when this all started was {$400000.00}. I get that we owe for the taxes for I think 5 years although at XXXX point that was part of our payment, but somewhere that changed. I am assuming it changed when we stopped paying the payments. They are saying now that we owe them over {$300000.00} dollars although I am not sure how. Even with the taxes for 5 years which should total about {$84000.00} we should still be able to re-do our mortgage with my husband 's salary. XXXX houses in the past 8 months in the neighborhood we live in sold for $ XXXX. It seems that Citi-Mortgage has kept dragging this along so they could just keep adding fees to say we owe this money with their fees and jack up what we owe to say we have no equity and now to force us out.

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