Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am presently fighting a foreclosure sale date set for XXXX/XXXX/XXXX to allow for a federally mandated 30-day appeal period from the MHA HAMP RMA denial notification, which is XXXX/XXXX/XXXX and would allow for a proper appeal. CitiMortgage is stating that I am not entitled to an appeal period, which is incorrect! 

I am confident that CitiMortgage, at a minimum, has violated RESPA in an area in which the CFPB has enforcement authority ; this is my official complaint. I am writing this letter to address the dual tracking on my FHA mortgage loan as well as the failure to put my FHA mortgage loan through a fair and compliant MHA FHA HAMP waterfall review for all available options in addition to the proprietary options available to me as an FHA borrower. CitiMortgage manipulated the income that I submitted to perpetuate wrongful foreclosure, which violates RESPA under the new rules established by the CFPB as well as the FDCPA per my understanding. 

Basically, CitiMortgage " grossed up '' my mother 's contribution income then denied me for mortgage assistance using the false income inputs ; Citi intentionally increased my income without authorization to do so or permission from anyone that could authorize such an action. I have provided proof of the income adjustment from what was submitted on my RMA and what CitiMortgage used to wrongfully deny me for mortgage assistance. If I do not qualify because I do not make enough money then that would be a reasonable outcome based on the inputs used but that is not the reason for the denial ; the reason for the denial was that they could not lower the payment by 10 %, which makes sense if the income is intentionally inflated to disqualify a borrower for assistance. 

At a minimum, I am entitled to a fair review, as adopted by RESPA as a result of the XXXX strengthening of consumer rights by the CFPB : " Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. '' Also, I wanted to shed light on another matter that may have influenced the continued wrongdoing on my mortgage loan. The attached correspondence recently received from the State of Washington Department of Financial Institutions clearly states that, " Based on the available evidence, we determined that CitiMortgage violated the law by : Not timely and completely responding to our requests for information. 
Not providing you and the mediator all required documents during mediation. '' In light of this discovery, I asked that CitiMortgage please address the State of Washington Department of Financial Institutions conclusions. I understand that I have a constitutional right to take legal action against CitiMortgage but at this time, that is not the path that I am seeking. I am requesting consideration for the past unlawful actions of CitiMortgage that forced me into a forbearance that was not requested or authorized, for the past unlawful actions of CitiMortgage that forced me into a loan modification just days after my father had passed away when I was not of sound mind or body, and for the present violations outlined in the attached correspondence from the State of Washington Department of Financial Institutions. I am simply asking CitiMortgage for a fair and reasonable pathway to retain my beloved family home. 

I thank you in advance for your advocacy and intervention. Please help me to postpone the foreclosure sale scheduled for XXXX/XXXX/XXXX since I was not fairly run for mortgage assistance and I am now being refused the right to appeal the decision reached by CitiMortgage. 

Thank you!

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