Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (SC)

Mortgage ComplaintTo whom this may concern : CitiMortgage is stating that I am 2 payments behind for XX/XX/XXXX and XX/XX/XXXX. I have made all payments for the year with the exception of XX/XX/XXXX 's payment that has not been made yet. I have called about this error on three different occasions asking to have this fixed. I was told by citi rep ( XXXX ) on XXXX that 2 payments were reversed on XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX electronic payments. I checked my bank statements and called my bank and all payments have been made and the money removed from my account. ( see Debtor Claim Detail _ NDC.pdf for the trustee payments ) Upon my own investigation from Citimortgage 's website it appears that the two payments in question for XXXX were split up and not posted to the account. for example, I paid XXXX on XX/XX/XXXX electronically now look at the accounting from citi 's website. This looks as if the payment posted then was removed posted then removed ... .then broken up into XXXX payments adding up to XXXXXX/XX/XXXX {$32.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXX {$610.00} Additional Funds Received {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown ( {$160.00} ) ( {$320.00} ) ( {$140.00} ) {$0.00} $ XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown ( {$160.00} ) ( {$320.00} ) ( {$140.00} ) {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX ( {$640.00} ) Unknown {$0.00} {$0.00} {$0.00} {$0.00} $ XXXXXX/XX/XXXX {$640.00} Unknown {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} + XXXX XXXX XXXX states that the XXXX was a payment from the Bankruptcy trustee .Now see below a print out of the trustee payments which stopped XX/XX/XXXX based on a modification agreement between myself and CitiMortgage. ( see trustee payments ) As we can see there were no trustee payments made after XX/XX/XXXX and no payments sent over the amount of XXXX. 
I called and spoke XXXX form the Bankruptcy dept at Citi on XX/XX/XXXX XXXX XXXX. XXXX states that she see 's 2 payments that were made for XXXX from the trustee on XX/XX/XXXX and XX/XX/XXXX this does not add up since the Trustee sent the last payment on XX/XX/XXXX. 
Please investigate my Mortgage account and get this resolved as this has been going on way to long. Myself and my bankruptcy Attorney have had to call in and ask to have payments posted the whole time I 've been in the bankruptcy. 
Also, CitiMortgage has asked me to send in my bank statements to prove I paid the payments but I do n't believe I need to keep showing them my personal banking history based on their careless handling of my account. ( see bill pay printout from my bank ) Also, see my CitiMortgage trans union credit report below showing I was past due 3 times before my bankruptcy dismissed. 
My best guess is that Citi recorded these XXXX payments as coming from the trustee and did not post them as payments. However, the splitting of the payments I made and stating that the trustee sent these payments is truly dishonest. 
Lastly I called the Trustee on XX/XX/XXXX and she states the last payment made to CitiMortgage was for XXXX on XX/XX/XXXX. ( see attached Documents from the trustee ) Please see the document titled Mortgage Complaint for better viewing.