Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I lost my job   XX/XX/XXXX  and want ed to re-finance my home to lower my payments, I was referred to "  XXXX   XXXX   XXXX    XXXX   XXXX  '' who assigned a mortgage broker to help me. (  XXXX   XXXX  ) I explained the situation to him and he said no problem since you have excellent credit we can help. I also explained that I had my home appraised by another company that tried to re-finance my home but unfortunately my home was worth well beneath what I had owed so that company could not help me, he also said no problem we have our own appraisers that can help. I was totally surprised and happy when he contacted me in     XX/XX/XXXX  and said that he was able to get me approved through Citibank to lower my paym ents. I told him I had my own attorney that I 'd like to use for the closing that was a family friend and performed all my prior closings, including my parents closin g in   XX/XX/XXXX  a nd when my parents sold me their home  in  XX/XX/XXXX  ( the  home we are currently speaking of ) he was my attorney, and when I purchased  my second home in   XX/XX/XXXX  he  was also my attorney, however the broker said no I  could not use my attorney I had to use his attorney (   XXXX   XXXX   ) since the closing is in  XXXX  and the attorney 's office is also in  XXXX . I reluctantly agreed and went to the closing.   The day of the closing I felt very uneasy, rushed and scared. My questions were n't being answered or just brushed off especially when I saw blank papers present, but I continued with the closing because I needed the help and was under the impression that I was signing for my payments to be lowered with a fixed rate just like what I had before re-financing. I finally found a new job summer o f  XX/XX/XXXX  and  even though my income was less I made all payments on time From   XX/XX/XXXX  to  XX/XX/XXXX .  then in   XX/XX/XXXX  I rec eived a new statement stating that my payments were doubling and that is when my  XXXX  began .... I tried making my original payment that we agreed to but  Citibank would not accept my payment. When I started asking Citibank to  show me the original documents that I signed because I did not sign the documents they were referring to, I explained that the broker I dealt with was very shady and they needed to look into what happened the day of the closing, ( since then I have found out that the supposed broker was not even a real licensed broker his business card which is attached says " mortgage  advisor  '' which the NY  DOS  verified with me is a false title, but y et Citibank a nd  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   dooped me into believing he was a broker, since then I also found out that the loan application had my previous employment and higher income stated on it and no signature, see attached my  XX/XX/XXXX   XXXX  with lower income and different employer from the loan application? since then I also found out their attorney  XXXX   XXXX  had her broker license REVOKED, see attached document from the State website, Since then I also found out that  XXXX   XXXX  was representing Citibank as the " settlement agent '' see attached HUD and she was also representing me as my attorney, I had no idea she was representing the bank and me at the same time. Now I know why they did not want me to hire my own attorney. Had my own attorney represented me that day I 'm sure he would have caught it all before hand. ) Anyhow they just ignored my request and told me to stop making payments so that I can qualify to modify my loan, I was not happy with that reply so because I could not afford the new payment I did stop making payments and then hired an attorney to help me and they started the foreclosure. Fast forward to today, I thought things were still pending and playing out in the courts but apparently I was wrong because there is a sale date of   XX/XX/XXXX   ( next week ) that not even my attorney new about, I saw my house on the internet for sale last month and asked my attorney to confirm and he was very shocked that it was true and that 's when I started calling  Citibank  to help because my attorney relocated his offic e  XX/XX/XXXX   and never received the foreclosure judgment.  XXXX  who is now the servicer of the loan had my address as    XXXX   XXXX  Ny   which is my attorney 's old office address. I called  XXXX  to explain that  Citibank  had given them the wrong address when they assigned the loan to them and they kept saying well we mailed it to " your ''   XXXX   XXXX    Ny addre ss,  XXXX  even told the credit bureau that my home address is  XXXX   XXXX   Ny., so  now my credit bureau has my current address as   XXXX   XXXX  Ny   , which  is false!!! All I wanted Citibank to do was call  XXXX  and say " hey postpone the sale date because I think we transferred a fraudulent loan to you '' I want to keep my home. I have no place to go. My son who is an  XXXX   XXXX   XXXX   XXXX  who will also be homeless if my home is sold next week. I need your help to call Citibank or  XXXX  and ask them to postpone the sale date until we can figure out what 's going on. I understand they have better, more expensive and more experienced lawyers that can easily win a foreclosure sale BUT the question should be is it morally right to take my home knowing that all these red flags still are unanswered? How can Citibank sit back and let this happen to me when my life was fine before I met them in   XX/XX/XXXX . I  'm going to be forced to file for chapter  XXXX  next week and ruin my credit even more because they wo n't postpone the auction sale date. Out of good faith I even submitted a loan modification application to  XXXX  because I never said I never signed for " A '' loan I 've been saying I never signed " THAT '' loan??   I thought that after I submitted the loan modification application that it would help stop the sale date until they consider my application but  XXXX  is saying no they can not stop the sale date even though they are considering my loan application? I thought that was considered " dual tracking ''?? I even hired a handwriting expert in the mean time but the sale date needs to be stopped before its too late. Please help me ...   I do n't know what else to do, or who to turn to. How can  Citibank  allow this to happen, how can justice allow this to happen when something is clearly wrong with the original loan? I hope to hear from you soon. thank you