Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint on this site in XXXX about the problems with misapplied mortgage payments and FALSE CLAIMS against HUD by Citimortgage. I told you about the electrical problems and outdoor electrical wires hanging off of the buildings, buildings being off of their foundations etc. I want you to know that I wrote Senator XXXX XXXX and President Obama about the HUD/FHA. XXXX times I wrote about this situation and each time the Director of HUD would write to the President and Sen. XXXX that they would love to assist me but I do not have an FHA loan. I sent copies of my mortgage statement, to show that the loan is FHA, and they still told me other wise. There are too many major things wrong with the way things are on my property and loan. On XXXX XXXX, of XXXX Citimortgage held a trustee sale on my property and never sent notice to me concerning the sale. I had just sent a payment of {$2200.00} on XXXX XXXX, XXXX. I know that Citimortgage never held the note from Home Mortgage Loan Company, and therefore had no assignment of note. Citimortgage sent a man to change the locks on my door in late XXXX XXXX, and that is how I found out about the illegal trustee sale. For a year and four months Citimortgage did not contact me. I just found out that Citimortgage changed my mailing address to some post office box and only sent mail there. I do not have a post office box. On the answer to my complaint Citimortgage said that they needed more time. I had told the President and Senator about all the unsafe conditions that my property was sold to me under. A year after the close of escrow XXXX XXXX XXXX XXXX had an arrest warrant issued for my arrest due to the conditions that this FHA loan approved property was in. Citimortgage did not have a deed in my name from the close of escrow until late in the year of XXXX. There was no certificate of occupancy issued on my property in XXXX. The certificate was not issued until XXXX and then it was issued to a XXXX XXXX XXXX. To get this certificate XXXX XXXX had to show a valid deed in his name. 
Citimortgage constantly placed mortgage payments made by me into an account other than my account and would then refuse to find the money and place it for my credit. I later found that Citimortgage has XXXX accounts where they were placing the majority of my payments in a XXXX account with an ending number XXXX digit higher than my primary account number. They would then force me into foreclosure and default that was not even valid. All of this trouble while making major repairs to a property that never passed even a code inspection. 
In XXXX of XXXX Citimortgage vendors along with the police began a campaign of harassment and threats against me and my family. The vendor would walk into my home without knocking and threaten to take my entire family including my XXXX daughter who uses a XXXX to jail. It was under these conditions that Citimortgage coerced me out of my home. 
My loan with Citimortgage is still active and valid and my HUD account is still active and valid, my property insurance is active and valid and in my name. Citimortgage is criminallyguilty of extrinsic fraud, extortion, and stealing XXXX my dollars and making false claims against HUD. The threats of harm to me and my family that came from the vendors for Citimortgage and attorneys are also criminal. Because of the way my HUD account was constantly denied and the vendors for Citimorgage were above the law I wanted to protect my XXXX daughter and not be shot dead or tossed in the street tunaware. Citimortgage used a very aggressive police hand in getting my XXXX family out of my house and getting me the sign lies against the court system for fear of their power to even control the Department of Housing and Urban Developmen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation