Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Full Complaint attached as Doc. 
The purpose of the letter is to outline specific reasons of our full dispute of the information CitiMortgage has provided regarding this complaint and previous complaints. We are requesting a full escalation review of these issues with remedies of all powers available to the CFPB and federal law. 
XXXX. CitiMortgage stated in their response they notified a third party of the service transfer of our home. 
a. We disagree as the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX XXXX did not receive notice as he was working with XXXX XXXX, Attorney for CitiMortgage, Inc. on the Motion for Relief from Automatic Stay filed by CitiMortgage with a hearing date of XXXX XXXX, XXXX. CitiMortgage continued with motion fulling knowing the loan was sold on XXXX XXXX, XXXX ( Document Attached ). This motion followed previous multiple filings by CitiMortgage of Motions for Relief that denied by the Judge. XXXX XXXX was negotiating with CitiMortgage until reaching a deal on XXXX XXXX, XXXX the day before the hearing. 
b. We believed CitiMortgage responded to the complaint with fraudulent copy of the letter based upon the information contained in the letter of transfer of services received in response to the complaint we submitted. This letter was printed after receiving our complaint and addressed to the attorney in an attempt to cover up that we were not notified as there is no proof of mailing or receipt. CitiMortgage did not provide any proof that the letter was actually mailed. 
XXXX. All other communications from CitiMortgage were sent directly to our home. It is convenient for CitiMortgage the most important document containing Change of Servicer is only sent to the attorney with the message please forward to your client if you deem it appropriate. All other communication was sent directly to us including the Notice of Mortgage Payment Change dated on XXXX XXXX, XXXX, but the most important information of service transfer was not sent directly, but supposedly XXXX XXXX, XXXX four days earlier. XXXX notice was sent directly to our home. 
XXXX XXXX XXXX was not part of the bankruptcy and did authorize any third party to receive her information. This notice of service transfer would have been required to be sent to her as well. CitiMortgage has admitted to not sending the notice as required by federal law. CitiMortgage did not provide Notice of Change of Servicer as required by federal law and we are requested a full remedy. 
XXXX CitiMortgage did not provide XXXX Mortgage with loss mitigation status and documents and we now have to begin the entire process over with XXXX Mortgage. This directly opposes the mortgage servicing rules placed in effect by CFPB in XXXX XXXX. 
XXXX. XXXX Bank states in their notice they became the new owner on XXXX XXXX, XXXX. ( Statement Letter Attached ) However, CitiMortgage continued filing motions with ongoing bankruptcy activity while not providing notice to the court they sold the loan. It is the same type of dual tracking of a foreclosure with loss mitigations options. This lack of disclosure to the court constituted a fraud of the bankruptcy court and a lack of good faith as a creditor in a bankruptcy filing. Additionally, the hearing filed by CitiMortgage set for XXXX XXXX, XXXX was a factor that ultimately resulted in the bankruptcy dismissal. 
a. CitiMortgage filed Change of Payment with the Bankruptcy Court and Trustee on XXXX XXXX, XXXX raising the monthly payment over {$400.00} a month from {$1700.00} to {$2100.00} after selling the loan on XXXX XXXX, XXXX to XXXX Bank without any disclosure of this sale to the Bankruptcy Court or us, the homeowners another tactic to have the case dismissed after numerous motions rejected by the Judge to lift the Automatic Stay. The payment was just raised a few months earlier from {$1700.00} to {$1800.00}.

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