Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom it may concern, " CitiMortgage " In XXXX, my wife and I ( XXXX XXXX XXXX XXXX XXXX filed bankruptcy due to lost wages. We had reaffirmed on the vehicles and CitiMortgage. It was discharged XXXX XXXX, XXXX. The documents I have provided to there/my attorney show that less than thirty days after we started getting letters from CitiMortgage stating the loan was in DEFAULT. At this time is when we found out that CitiMortgage had failed to file the reaffirmation papers we had sent in months prior. We where informed that even though we were making the payment the funds where going into an " UNAPPLIED FUNDS ACCOUNT " and that we where being charged late fees as well each month because the bankruptcy department for CitiMortgage were not releasing the funds from the unapplied funds account ( totaling over {$4000.00} XXXX. XXXX XXXX, XXXX of the following year CitiMortgage approved us for a loan modification and tacked all the late fees on the back of the loan so we could keep our home and not be foreclosed on. XXXX XXXX, XXXX we received another letter URGENT NOTICE, " We have identified missing or incomplete documents regarding your modification application. " Application? We have modification agreement in hand? For the next few months we went through the modification process to role ANOTHER {$4700.00} into the back of the loan to save our home from foreclosure. XXXX XXXX, XXXX we were approved for another modification plan. Now XXXX XXXX, XXXX CitiMortgage sent us ANOTHER modification packet claiming they have incomplete documents and that we are XXXX days behind on payments. XXXX XXXX, XXXX we sent the new signed and notarized forms and all documents CitiMortgage requested. Now CitiMortgage has filed for foreclosure again. I have talked to CitiMortgage and there attorneys several time sending them bank statements proving that CitiMortgage has received and cashed all certified funds. That the funds are in CitiMortgages " unapplied funds account " waiting on CitiMortgage to release the funds to the account. 
The documents I provided to all parties included are as follows. 
Bankruptcy final decree date XXXX XXXX then the first letter received from CitiMortgage dated XXXX XXXX, XXXX. 
Loan modification agreement dated XXXX XXXX, XXXX. 
Urgent notice dated XXXX XXXX with the Reinstatement amount. 
Summons dated XXXX XXXX, XXXX Modification trial plan period letter dated XXXX XXXX, XXXX Copies of the new modification papers CitiMortgage sent us XXXX XXXX, XXXX. You can see CitiMotgage has dated the forms XXXX XXXX, XXXX. Look at the notarized signature pages they are dated XXXX XXXX, XXXX. ( Another future excuse for CitiMortgage ) Certified funds bill pay history showing we have made all payments. CitiMortgage since the bankruptcy will only except certified funds. 
I believe this is just a way for CitiMortgage to charge more fees on the account in hopes that the home owners get fead up with the harassment and walk away. This way they can be rid of the account and collect the hud insurance when they foreclose. 
We have made all payments, we have complied with sending documents in every time CitiMortgage requested them. What more can a home owner do? Sincerely, XXXX XXXX XXXX

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