Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
ME AND MY HUSBAND APPLIED FOR A XXXX FIRST TIME HOME OWNER LOAN I ATTENDENDED THE FIRST TIME HOME OWNER CLASS AND TURNED IN ALL OF THE REQUESTED DOCUMENTS TO THE LOAN OFFICER XXXX XXXX ( NMLS # XXXX ) AT XXXX XXXX EXT.XXXX.THE FIRST TIME SPEAKING WITH XXXX SHE ONLY ASKED FOR BOTH ME AND MY HUSBANDS XXXX FOR THE PAST 2YRS AND PAY STUBS AND DIRECT DEPOSIT AND BANK STATEMNTS FOR THE PAST TWO MONTHS. AFTER GIVING HER THESE ITEMS WE RECEIVED DOCUMENTS IN THE MAIL THAT STATED THAT BOTH OF OUR CREDIT SCORES WHERE ABOVE THE REQUIRED AMOUNT AND A COPY OF AN INCOMPLETE LOAN APPLICATION THAT WE WERE REQUESTED TO SIGN AND FAX BACK. THEN I RECIVED A EMAIL STATING THAT OUR LOAN WAS PENDING DECLINE FOR NOT TURNING IN ALL OF THE DOCUMENTS WHEN WE TURNED IN EVERYTHING THAT WAS REQUESTED BY THE LOAN OFFICER. SO I CALLED XXXX AND ASKED HER WHAT WAS GOING ON BECAUSE WE GAVE HER EVRYTHING SHE ASKED FOR AND SHE STATED THAT SHE DIDNT KNOW THAT WE HAD TO TURN IN ANYTHING ELSE. SO THEN SHE SENDS ME A EMAIL OF THE OTHER DOCUMENTS NEEDED SO I ASK HER HOW LONG DO I HAVE TO TURN THEM IN AND SHE TELLS ME BY FRIDAY SO I HAD 5 DAYS AFTER GATHERING ALL OF THE INFORMATION I HAD 3 DAYS LEFT XXXX EMAILS ME STATING THAT SHE ALSO NEEDS ME TO HAVE A ADDITIONAL {$2500.00} MORE DALLORS IN THE BANK FOR A DOWN PAYMENT WHEN SHE ONLY ASKED FOR {$2000.00} AT FIRST SO I WAS SUPOSE TO COME UP WITH THAT AMOUNT OF MONEY IN 3 DAYS. I EMAILED HER ASKING HOW CAN SHE GIVE ME A SPECIFIC AMOUNT OF MONEY I NEED FOR A DOWN PAYMENT WHEN SHE HASNT EVEN TOLD ME HOW MUCH I WAS APPROVED TO GET.NEEDLESS TO SAY XXXX WAS UPSET ABOUT ALL OF MY QUESTIONING AND DECIDED NOT TO ANSWER MY PHONE CALL IWAS TOLD THAT I HAD UNTIL FRIDAY AND SHE HAD SOMEONE ELSE CALL ME TODAY TO TELL ME THAT MY LOAN WAS DENIED BECAUSE OF MY CREDIT HISTORY NOT BEING SEASONED ENOUGH WHEN I KNOW THATS NOT THE CASE BECAUSE BOTH ME AND MY HUSBAND HAVE BEEN RESIDING IN THE SAME RESIDENCE FOR THE PAST 8YRS AND HAVE LIGHT WATER CABLE INTERNET AND HOMPHONE AT THIS RESIDENCE FOR THE ENTIRE 8YRS BOTH ME AND MY HUSBAND HAVE XXXX CREDIT CARD WHICH HAVE XXXX BALANCE ON THEM THAT WE USE TO PAY OUR UTILITY BILL MY HUSBAND HAS A GOOD PAYING JOB WERE HE MAKES AT LEAST $ XXXX WITH OUT ALL THE OVERTIME HE DOES I WORK XXXX IN THE SAME CAREAR AS A XXXX FOR THE PAST 6YRS BOTH OF OUR CARS ARE PAYED FOR WE PAY OUR INSURANCE AND ALL OF OUR BILLS ON TIME.SHE TOLD US THEY WOULD NOT ACCEPT OUR RENT RECIPTS SO WE HAD TO CONTACT OUR XXXX WHOM JUST PURCHASED OUR HOME BUT STILL HAS ALL THE DOCUMENTS THAT SHOWS OUR LEASE AGREEMENT AND THE LENGHT OF STAY AT THIS RESIDENCE ALONG WITH IF WE ARE GOOD TENENTS AND PAY ON TIME TO FAX OVER A HEADLETTER IN PLACE OF THE RENT RECIPTS. THE WOMEN NAMED XXXX XXXX THAT CALLED ME TODAY SAYED THE REASON WE WERE DENIED WAS BECAUSE OUR CREDIT HISTORY WASNT SEASONED ENOUGH THAT DIDNT MAKE SINCE TO ME AND I TOLD HER THAT SHE SAYED MAYBE I SHOULD TRY AGAIN AT A LATTER DATE AND I TOLD HER I WONT BE TRYING WITH CITI BANK AGAIN.

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