Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (UT)

This is now the third attempt to get this info to you -- I hope it works this time. I am in a definite hardship situation and all XXXX and CitiMortgage do is keep me going in circles : I had to retire early from my position due to medical reasons, and I do have the corresponding paperwork that supports this claim. I am also involved in a long, stressful battle with my older brother over our parent 's funds and some property which began more than two years ago when my father died XX/XX/XXXX. I have since ( XX/XX/XXXX XXXX had the care of my mother but because I had planned on it, this by itself is not a hardship ; the fact that she suffers XXXX however IS very difficult. I am also in the remaining six months of a bankruptcy, that when finished will be FIVE years long. My brother stole all of our mother 's remaining money and some valuable possessions, so I have had only MY monthly annuity ( 56 % of full-time regular pay ) to pay for the upkeep of XXXX households for over two years now. I applied for a second mortgage through CitiMortgage XX/XX/XXXX and was clearly not thinking reasonably -- I have also been in the grip of a severe XXXX that took years to diagnose and then treat. XXXX my home loans are at high rates -- 6.2 % for XXXX XXXX {$110000.00} XXXX and 7.5 % for CitiMortgage XXXX originally {$75000.00} but has ballooned to over {$100.00} XXXX My home and property are not worth the XXXX put together. Due to the hardships I have and AM still suffering through, I was also contacted AND scammed by just such a group of " lawyers '' as described in the article in XXXX Magazine, who would take care of reducing both interest rates to 3 % AND at least have half of the CitiMortgage balance " forgiven. '' HA. I paid {$3000.00} for basically nothing XXXX it was tax refund time so I had some funds XXXX. This group calls themselves XXXX XXXX XXXX. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
Now I have received a foreclosure notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX based on the lack of payments to CitiMortgage. I have not ever been able to pay CitiMortgage on a regular basis -- and the loan balance is out of control. The clock is ticking and I need someone or something to intercede and put CitiMortgage in a position that will induce them to reconsider everything, from the principal balance ( XXXX forgiveness of the balance based on the predatory nature of the loan AND my extreme conditions that are happening ALL AT ONCE ), the interest rate ( from 7.5 % to 3 % -- the going rate and not at all a " demand '' ) and to make these changes effective immediately. I also need to have XXXX do the same ; however that balance does n't require a drastic cut, unless it is deemed fair and necessary based on all of my extenuating, " hardship '' circumstances. That interest rate is 6.2 % and 3 % is what I can handle. I have run amortization schedules for 2.8 %, 3 % and 3.2 % and they are " do-able '' for me even with an escrow account amount to cover homeowner 's insurance and taxes every year. The MARKET VALUE of my home is {$180000.00} and the TAXABLE VALUE IS {$100000.00}. I need a home where I can care for my mother and of course live in MYSELF for the rest of my life. Will you PLEASE intercede on the foreclosure? And will you please refer me to a legitimate, genuine and authentic agency that I can send ALL of my accumulated forms, documents, letters, " pay '' stubs, etc., to so that this mess has a concrete, negotiated and FAIR resolution? Thank you for any and all help you can give.