Consumer complaint received 2015-09-25
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with my mortgage company Citi mortgage for sometime now. I have seen all the documents into them when they have requested. I have let them know that my parents have moved into my home and are paying the cable, electric, gas, grocery bill and even providing me with {$150.00} a month toward my XXXX mortgage that is up to day. I have sent all the require documents. Citi have told me from time to time that they have n't receive any documents at all and if they have they were missing pages. I have contacted Citi and informed them that everything was sent. Citi has told me that they have n't received some of the docs that were requested. I have expressed to Citi that I want to keep my home and want to work with them. I have always sent all docs in with a letter that my parents are paying for bills in my home. Citi has told me that they need addition information. I have contact them by email and phone that everything was sent. As of last week Citi sent me an email about my over time at work and they need addition information about over time. I told Citi that my over time was not much and we are n't having over time anymore and do n't included that into my mod. Citi said that we need to have a letter sent on company letterhead about my overtime. I told Citi that I am trying to work with them and that my company is n't offering overtime anymore. Citi sent me a message back saying that we need a letter saying about overtime. I told Citi please do n't take overtime into the mod. I have worked in the mortgage dept before and I know if a customer says do n't included over time into a mod due to it may not be offered to exclude it. Citi stated that they need to have a letter sent to them stating about overtime or my mod will be turned down. I told Citi that I have been trying to work with them for sometime now and cant seem to get any results. I told Citi that they can see in my check statements that my over time is n't much at all. I told Citi that my home is underwater and I want to keep my house and to work with me. I let them know that I went through a divorce and took a pay cut with my company but I am working full time and my parents are helping me with my bills and they live with me full time. I let Citi know that I have always sent in all the documents that are requested and cant seem to get anywhere with them. On this pass Tuesday XXXX/XXXX/2015 I told them that over time is not being offered anymore at my company. Citi sent me an email letting me know that my mod would be turned down. I told them that you have never requested this from me before and why is it being requested now. I told Citi that I was being treated unfair and I feel like they do n't want to work with me at all. And I have been trying to have this taken care of for along time now. I told Citi that I am doing everything I can to keep my home for my family and want to work with them. I feel like they are n't helping me out at all and they are treating me unfair and to please assist. I told Citi that I was going to be contacting your office. I just want to keep my home and do a mod with Citi mortgage. Thank you XXXX XXXX XXXX

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