Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After taking out a 30-year loan on a home in XXXX, I refinanced the 30 year loan thru CitiMortgage in XXXX, but later fell behind on my mortgage payments in XXXX. I was 9 months behind and owed approx. $ XXXX, but had already began working with Citi on a solution. 
In XXXX, XXXX, I was advised by Citi that I would need to pay approx. $ XXXX to bring the loan up to date, and that the money would be put towards escrow, principle, interest, and taxes. I was able to pay the $ XXXX by then, and did so. However, I found out later that all of the money was given to their attorneys for " fees '' during the 9 months when I was working on a loan modification with them. None of the money was used towards my loan whatsoever. I kept records of the fees I paid and all transactions relating to the loan. 
I continued working on a loan modification thru CitiMortgage to obtain a HARP loan, and was later approved in XXXX for the program at a 2 % interest rate. I never signed anything or received any paperwork concerning the loan. They just billed me monthly and I paid it. 
After falling 2 months behind in XXXX, I was contacted by another mortgage company, XXXX, who informed me they had purchased the loan from Citi. 
It was then I was shocked to find out that Citi had increased the length of my loan from 30 years to 40 years during the HARP loan modification, and did so without my knowledge, or ever obtaining my permission to do so-verbally or in writing. They just simply added 10 years to my loan. 
I started working on another loan modification with XXXX in XXXX XXXX, however, after just shy of being approved, they sold my loan in XXXX XXXX to a XXXX XXXX XXXX company without my knowledge. It was only last month I found that out, even though I am still involved in the HARP2 loan modification with XXXX at this time. 
*** CitiMortgage had me pay {$10000.00} to make my loan current 5 years ago, then used it all for their own benefit without applying any of the money towards my loan. Then they manipulated my HARP ( or HAMP ) loan to increase it from 30 to 40 years without my knowledge. 
Now, after being bounced to a 3rd mortgage company within 6 months of each other, I must either be approved for a new HARP loan thru XXXX XXXX, or pay the {$13000.00} to make the loan current. 
*** As I stated, the original loan was taken out in XXXX of XXXX, on a 30-year fixed mortgage. I can understand if the loan went to a new 30 year fixed loan with Citi after refinancing a year or so later. I can even see how the loan would refi again at a new 30 year fixed rate with them after the HARP loan. However, they had no right to increase my loan to 40 years without my agreeing to those terms. I should have 25 years left on my loan, not 35 years. And now that the loan has been sold twice, I 'm sure they think they 're not liable for anything. Plus my new mortgage company only knows what they were told, so according to them, I 'm on a 35+year mortgage that I owe them. 
This is wrong. These banks have been pulling this kind of XXXX for decades, and something has to be done. I have documented every detail of my loan since XXXX, so I have every hard copy available for your review at your request. 
Please advise what I should do. 
Thanks.

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