Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

My complaint actually relates to both Citi mortgages and also my Citi Credit cards. Some experiences were good, but others were either illegal or unethical. In this case, I am primarily referring to my second Citi Mortgage ( before then, I had a different Citi mortgage, which I paid off, but that is not relevant in this particular complaint ). 
My primary and then only mortgage left on my house only had about {$4500.00} left to pay before it was closed. But apparently, when I switched my bank to XXXX XXXX, a mortgage payment was a couple of days late due to a delay with XXXX XXXX while setting up my new account ( Citi 's mortgage check arrived three days later ). Thereupon, I received a call from a man at Citimortgage who was belligerant and to my mind bullying and harrassing me. He wanted my routing number, but I did n't trust him enough to give it to him. I told him that I would pay off the mortgage and after all I only owed a few thousand dollars left on the mortgage but he continued threatening and bullying me. 
So, to not have to deal with Citimortgage any longer, I immediately logged in to my mortgage account and listed my routing number and paid off what was left in full. 
And even though I paid off the mortgage in full, I was almost immediately getting constant calls from people trying to loan me money. Some were very rude and nasty. When I told them I did n't need money from them, some of them got belligerant and insisted I was wrong, I needed their money. I have never gotten calls like these in my life, it was obviously instigated by the Citimortgage guy. 
On top of that, he called the Citi cards, evidently telling them that I was a bad risk ( which I absolutely am not ) and they notified me that they reduced my credit limits from about {$17000.00} each to {$500.00}, {$2000.00} and they threatened to close the third entirely unless I paid a substantially increased amount per month. 
Given the circumstances I immediately paid the {$9000.00} balance on the XXXX Citi card in full, even though I still had 0 % interest ( with the previously paid XXXX or 4 % fee ) on the card. So, given that I immediately paid off both my mortgage debt and 0 % credit card debt I had absolutely no Citi debt. Even so, Citi would not reinstate my balance although I always pay my bills and had a very high XXXX score. 
Despite the various things over the years that as I said were either unethical or illegal, my immediate complaint is that, nine months later, they continue to refuse to notify the XXXX organizations that I have paid everything in full. 
These days, many credit cards report the actual XXXX scores, not the fake scores the XXXX companies give you if you purchase their score. So I can see on XXXX XXXX XXXX, CitiCard and XXXX that although I have a high XXXX score, it was reduced by probably around XXXX or XXXX points because Citi mortgage refuses to notify any of the XXXX companies ( XXXX and XXXX ) that I have paid off the mortgage in full. Consequently, all my statements regarding my actual XXXX scores with the different companies are lower because they do n't know if I 'm paying my mortgage or not. 
I have called Citimortgage more than a dozen times reminding them that they have n't reported that I 'm paid off. They have no problem reporting every month that I 've paid my mortgage, but now that it 's paid off they wo n't perform their fiduciary duty. I have spoken to a number of managers and staff people ( sometimes they 've called me ) yet, nine months later, they still wo n't report it. I believe this is on purpose, to harass me. Or they could care less if they mess up someone 's life. 
The reason that I care ( besides I despise liars and being conned ) is also because I am about to sell my house in XXXX XXXX and buy XXXX fixer uppers. They do n't care, and they continue to ignore me.