Consumer complaint received 2015-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

Our home in Missouri will be sold XXXX XXXX. Aside from the usual issues - Yes, we have missed many payments & failure of CitiMortgage to provide a certified true copy of note, thus ensuring authority to foreclose, there 's other problems. In XXXX XXXX I sent a QWR ( Qualified Written Request ) to Citi addressing many concerns & questions about the account. I 'cc ' the name of husbands Chap XXXX attorney in the QWR. Citi sends half-assed response to him. Those concerns they choose to ignore is going to cost us our home. & gt ; I believe there has been a slow, methodic intent to put us so far in debt our only option is to loose the house. Beginning XXXX XXXX we agreed & completed a forbearance repayment w/ down payment & double payments. When we start to make regular payment Citi wo n't accept because there is no account to put payment to. Numerous times payment is rejected, there 's no account. From XXXX XXXX - XX/XX/XXXX we stopped getting mthly state-ments. We wondered how the double payments were being disbursed & asked over and over for an itemized report. XXXX XXXX we get statement and we 're XXXX mths behind. Citi could n't find the acct because it was never taken out of forbearance. We asked for an official explanation & got nothing. Their purposeful negligence, for which they never took any responsibility, put us in a position we never overcame. We just got done struggling w/ XXXX payments, getting the acct right & here we go again. We were in shock & disbelief. Now were just mad!! & gt ; For about a year they was n't to concerned about the accumulating debt. Then we started working on loss mitigation & loan modification applications. XXXX is a blur of constant submission of paperwork. Its been lost, expired or there 's a turnover of personnel. XXXX XXXX XXXX we finally have a completed app & they hope to have it resolved in 15 days. That 's the last we hear of that. We 're being referred to foreclosure & now our application is incomplete. We worked on a loan mod app for approx 18 mths & all that was offered was HAMP ( said the request was incomplete ) and XXXX repayment plans which amounted to XXXX payments every month. XXXX XXXX husband filed Chap XXXX and it was dismissed XXXX XXXX XXXX. On XXXX XXXX told going to be foreclosed on. & gt ; I thought all this new legislation was in effect to try & keep people in their homes. Citigroup is called on over and over about the way they do business & still they screw up peoples lives. We asked about a lower interest ( we 've been paying 10 % since XXXX ) Nothing. Found out the last double payment we made in XXXX was never credited to account plus there 's approx. {$750.00} that 's unaccounted for. XXXX XXXX to the present we 're charged for monthly 'drive by ' inspections. We were charged for XXXX appraisals in 7 months. Citi sent {$52.00} check w/ letter in XXXX stating late fees were not done in accordance w/ the note. I asked what were they doing then as opposed to how they calculating it now. No answer. Another reason they do n't want to work with us is our home appraised at {$75000.00} in XXXX XXXX. ( {$35000.00} in XXXX ) I 've asked for an itemized break down of pay-off amount. Did n't happen. I sent a debt validation letter XXXX XXXX asking for entire payment history. I got XXXX to present. What about the XXXX yrs prior? I have proof of XXXX of violations of servicing standards, cease & desist orders, TILA, RESPA and more. & gt ; We 've paid approx. {$55000.00} on a {$30000.00} loan. Over {$31000.00} is interest alone. Citi wants more than {$23000.00} for pay off. {$80000.00} for {$30000.00}. Something has got to be wrong with that. We live in small town & I ca n't find an attorney to file injunction in federal court to stop the foreclosure. I hate to think that they could possibly win this. I 'm starting to believe there is no justice.