Consumer complaint received 2016-12-06
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lost job XXXX of XXXX. 
As per Citibank, I defaulted effective XXXX/XXXX/XXXX. I am sharing brief history as I believe my case is not an ordinary scenario : Hardship Origin and Extenuating Circumstances : XXXX of XXXX hired by a XXXX where I lost my job only 6 months later due to whistle blowing and cooperating with the XXXX. This XXXX was later found to have defrauded the XXXX of XXXX in an estimated total of XXXX XXXX dollars. Due to the ongoing criminal investigation, I remained silent as requested by the authorities. 

XXXX of XXXX hired by XXXX, XXXX of XXXX employees confided in me as HR Manager in questionable activity. My investigation confirmed fraud at large level. XXXX of XXXX, constructively discharged and I was also hurt on the job. Recovered Medically for most of XXXX, held jobs not in my field due to resolving injury. 

Dual Tracking : XXXX XXXX, XXXX my home was sold in Auction while I fought to save our home for years losing money to attorneys and even spent all of XXXX sending in documents hoping to be approved for a modification. Late XXXX Citibank Exec Response Team representative made announcement that modification was approved, nonetheless Citibank failed to remove the house from being sold in auction. Note : my communications to Citibank during this time up until the day of the sale were extensive. The day of the sale, no one at Citibank answered my calls.Certificate of Title reads as follows : " The undersigned clerk of the court certifies that a Certificate of Sale was executed and filed in this action on XXXX XXXX, XXXX '', ( 5 days later ), signed by XXXX XXXX on XXXX XXXX, XXXX and recorded by Time Stamp on XXXX XXXX, XXXX. XXXX XXXX, XXXX As per the Executive Response Team Associate, the sale had been reversed the same day although the docket shows the sale went through. An approved motion by the Plaintiff/Bank to vacate Foreclosure of XXXX XXXX, XXXX and issuing of Certificate of Title entered on record on XXXX XXXX, XXXX was approved and signed by Judge XXXX XXXX XXXX XXXX, XXXX entered in Clerk of Court record on XXXX XXXX, XXXX. X-wife during this time resided in the property, had recently been granted Temporary Exclusive Access by Family Court Judge. To my knowledge, modification was granted although x-wife refused to sign the documents and to honor the trial period payments. Foreclosure sale reset : XXXX of XXXX, I attempted to file XXXX XXXX Bankruptcy on my own but failed to meet requirements. XXXX of XXXX, x-wife vacates property and I moved in. A second attempt to file Chapter XXXX submitted with help of attorney, however guidance suggested to convert to XXXX XXXX which was finally submitted during XXXX of XXXX. During this period of time, after making first payment to XXXX XXXX, a modification letter arrived with confusing verbiage stating that payment of {$1900.00} per month was due on XXXX XXXX, XXXX and no later than end of month XXXX XXXX, the same for XXXX of XXXX, and XXXX of XXXX. This practice makes it impossible for any " struggling homeowner '' especially with medical limitations. 

XXXX Email to Citibank CEO Dated XXXX/XXXX/XXXX, Change in Servicer occurred XXXX/XXXX/XXXX, no prior notice was provided. Note : I was unaware of the change in servicer at the time and my email to the Citibank CEO trigerred being referred to the Citibank Executive Response Team. After much phone tag and emails to Citibank, I finally learned that XXXX had my loan. ( Approximately 25 days of time elapsed and Citibank could have easily just emailed back or send me a letter explaining the change ), this conduct is deceptive and malicious. 

Modification package to XXXX submitted XXXX/XXXX/XXXX - ( 38 days prior to Sale date of XXXX/XXXX/XXXX ). Package was complete in the definition of complete at that time, nonetheless, XXXX did not escalat

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