Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX my loan is with CITI Mortgage the loan number is XXXX property address is XXXX XXXX XXXX XXXX NY XXXX. I have applied for a HAFA Short Sale with CITI MORTGAGE. My application has been going on for over XXXX year. CITI has and is misrepresenting the XXXX report that was most recently ordered in regards to the AS IS value of my property. My property currently has approximately {$300000.00} thousand dollars in XXXX XXXX XXXX XXXX XXXX. Last year Citi ordered a XXXX which is part of the process of a short sale. The XXXX report that was completed failed to accurately represent my house and the issues with it. Specifically the XXXX Violations. CITI had acknowledged this and allowed a license appraisal to be submitted by my attorneys. That report reported the AS IS value by a licensed appraisor which included the XXXX violations in question. CITI then disagreed and disregarded that report. CITI then again ordered a XXXX on my property in which it specifically was to take assessment of the XXXX violations, The report that CITI ordered has given them a detailed report of the violations and everything in regards to that matter. The value that the report has stated per the XXXX violations and cost to cure is being misrepresented by CITI. CITI is stating the value was AS IS at the amount of {$480000.00} not to include the XXXX violations but with the cost to cure. That representation by CITI is FALSE. The report actually gives an evaluation of a lesser amount taken into account the XXXX violations and cost to cure. CITI is now forcing me into foreclosure based of that misrepresentation of a report they themselves ordered. CITI has received a full offer with the deductions that are required by XXXX XXXX XXXX in regards to XXXX violations are refusing to accept it with the stance of the report that they are misrepresenting. As of today XXXX/XXXX/15 my attorneys office has tried to contact numerous supervisors in regard to the denial and have asked for escalation of that denail to be told the cant speak to a supervisor and the file can not be escalated. CITI has also denied a copy of the report which XXXX to be revised numerous times by the XXXX due to the format needed wasnt being allowed by CITI. In order for the XXXX to mention and make adjustments for the XXXX as well as all other information the report required a specific format. CITI attempted to get in the way of that reporting. Under XXXX XXXX XXXX are required to be paid at the time of closing by the seller. There is no getting around that, unless the buyer is accepting responsibility of those XXXX. CITI has not and would not allow an offer where the buyer would accept responsibility for the XXXX. CITI has stated it will force me into foreclosure. The XXXX will still be required to be paid even in foreclosure so why force me into foreclosure? That is not negotiating in good faith! I purchased this house with a mortgage from CITI in the condition that it is in, the parts of the house in which the XXXX violations were given existed at the time of the loan. CITI is also liable for those violations for they had knowledge that these parts of the house existed. I was unaware that the parts of the house in question were illegal and in such closed on the house after review by CITI. In such CITI is responsible in helping me out of foreclosure and assistance in taking care of the XXXX which are mandatory by XXXX