Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

Citimortgage Loan # XXXXAfter my discussion with the Consumer Finance Protection Bureau they proposed that I submit another complaint. I felt it was necessary as a result of the response dated XXXX/XXXX/XXXX. I am writing to you with the expectation that Citimortgage will be able to assist with our credit reporting. There is a specific documented period that I am asking for relief in our credit reporting. As a result of delays beyond our control ( Section A XXXX, & XXXX ), transfer of ownership in the property ( XXXX, Section A ), and payments made in good faith ( XXXX, XXXX, & XXXX ), please correct the credit reporting ( removing the delinquency ) for the time period from XX/XX/XXXX thru XX/XX/XXXX. 
I am writing to you to dispute specific periods of credit reporting. Attached are supporting documents including Filed and Recorded records from the courts. The specific periods in question are as follows:1. XX/XX/XXXX-1st payment was made on the Streamlined Modification. Attachment- # XXXX. XX/XX/XXXX- 2nd payment was made on the Streamlined Modification. Payment was returned as a result of Foreclosure. Attachment- # XXXX. XX/XX/XXXX thru XX/XX/XXXX-The property was sold on XXXX/XXXX/XXXX. After the foreclosure the property was owned by XXXX XXXX XXXX XXXX. See attached court documents-Court Filing # XXXX thru # XXXX. XX/XX/XXXX-Payment was made to get modification up to date. The payment was made for the period from XXXX XXXX thru XXXX XXXX. Attachment- # XXXXDocuments from Court Filings Filing # 1/Deed under Power of Sale XXXX Grantor : XXXX/Grantee : Citimortgage Filing # 2/Warranty Deed - Grantor : Citimortgage/Grantee : XXXX XXXX XXXX XXXX Filing XXXX XXXX Filing Foreclosure Sale Filing # 4/Court Order to Reverse Foreclosure - Grantor : Citi/FHLB Grantee : MTLSection AThis property was foreclosed on in XXXX XXXX after the first payment on Streamlined Modification was made to keep property out of foreclosure. After contacting the CFPB and the BBB, Citimortgage agreed to a rescission of the foreclosure. Here is a partial listing of pertinent events that occurred in the months immediately after the property was sold. 
1. Spoke with XXXX XXXX ( XXXX XXXX XXXX Ext XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - Working with XXXX XXXX on rescission of foreclosure. Mentioned they are a little slow. 
2. Spoke with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - Working through steps to get loan modification. Should be finalized in 60 to 90 days. XXXX/XXXX/XXXX letter from XXXX XXXX. 
3. Spoke with XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - Spoke to XXXX regarding a letter indicating payment terms for streamlined loan modification and to bring loan up to date. Letter dated XXXX XXXX, XXXX. 
4. Spoke with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on XXXX/XXXX/XXXX - Will issue a letter indicating payment terms for the loan modification and rescission of foreclosure. 
5. Left messages for XXXX XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Spoke with XXXX XXXX on XXXX/XXXX/XXXX and various dates over the next few months ( XXXX XXXX XXXX Ext. XXXX ) - XXXX mentioned that it was best to continue to call back to get updates. 

Summary of Events : There were significant number of avoidable delays in the process to restore the property to our ownership. Based on conversations this should have been finalized by XX/XX/XXXX. 
I was told by Citimortgage representatives that the Loan Modification was closed in XX/XX/XXXX. This was immediately after the property moved from XXXX XXXX to Citimortgage. 
I made several attempts to make payments on the Streamlined Loan Modification. The representatives told me there was no active account to accept the payments. 
There were no Incidents of ownership in the property XX/XX/XXXX to XX/XX/XXXX.