Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NH)

I am homeless ( in XXXX, XXXX ). I have a house in XXXX that I can not sell with only a mortgage for an addition I had to do to replace a condemned garage. I bought the house itself cash. I have not been able to pay this mortgage nor taxes, and the mortgage company keeps boosting up the money owed. At this point, I 've lost a lot of money and pretty much all my equity on the house. This mortgage company has always been shady and I 've complained before. I asked them why they have n't foreclosed and they simply said that they " charged it off '' because they did n't want it. Meanwhile, with an original XXXX loan, house worth near 70K, the loan now says I owe almost 38K after about 8 years, last year was my time of trouble, otherwise I paid okay. They told me ( after many calls/cut offs/etc ) that they send a letter to my place of residence which I got evicted from so could never get the mail. I said okay FAX a copy to the XXXX XXXX XXXX XXXX XXXX ( who are taking care of me ) and they said they did n't have a copy - although they had verbally read the contents/etc off to me on the phone. I have this one thing for XXXX left to get help and I can not get it. I even sent DHHS my credit report showing the charge off. Food stamps a must, plus SSI and XXXX for XXXX. Luckily I finally go XXXX. Help. How can a mortgage company pull this. Why ca n't DHHS work with me - I 've visited them, called them, got info to them any way I can. They 've already got so much money out of me with high interest, fees, etc. Help. I will forward what I sent to the Federal Reserve. All the info is there. My number is XXXX. XXXX XXXX XXXX in XXXX XXXX. 
I hope you can help. Thank you. 
Oh, and they are CitiFincial in XXXX XXXX ( I think. The name, location of account, etc kept changing, etc ) XXXXHere : Your submission, [ Case number : XXXX ] XXXX PS XXXX I 'm not concerned about foreclosure - I WANT them to foreclose and they refuse. 
Consumer Financial Protection BureauReply|To : XXXXXXXXXXXX ; Thu XXXX/XXXX/2015 XXXX XXXXWe received your submission from the Federal Reserve and will review it as soon as possible to determine if it involves a Federal consumer financial law within our authority. 

Depending on what we find, we will : Send your complaint to the company for a response ; or Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office if your complaint is not within our authority ; or Let you know if we need more information to continue our work. 

While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at www.lsc.gov. 

You can register to track the status of your submission at : XXXX. 


New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance may be available to military members or veterans. You can find more information on mortgages at : XXXXThank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )