Consumer complaint received 2015-08-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

I was XXXX critical need for my agency protecting the agricultural interests of the USA but in another country for XXXX months last year. My last XXXX was not voluntary the just kept me as a needed highly skilled asset for my profession. I received an email from city bank mortgage that letters they sent to me were returned. This is true so much mail came in my absence that the postal inspector for my area started sending letters return to sender. This proves that I did not receive notification of what they were doing. I checked my banking statement online when I got back and to my shock and awe my mortgage payments were up by over {$250.00} per pay period of which we have XXXX XXXX per year. So at XXXX times per year the increased my monthly payments to over {$750.00}. I called the Citi Bank Mortgage section to find out what was their major malfunction. They told me that I had a past {$420.00} +/ outstanding real estate tax debt with the county. The also said since my current real estate tax bill was due soon that they have executed a forced escrow. Now mind you the XX/XX/2014 bill still had time for me to act through XX/XX/2014. On top of that they threw in for good measure fees to cover water, sewage and utilities. I do not pay for any of those services and there are never bills charging for those. In fact I build my house from a the ground up from a clearing in the woods. I paid for the well, plumbing to the house and the septic system to be installed. 
I view Citibank 's piggy backing to those charges as malicious and predatory at the least obligatory parasitic. I did get to talk with someone with citi Bank and got a reduction in charges for the Water, Septic and utilities but what remains strange to me is that the charges to me are way more substantial that what I owed for the taxes which again were not due in XX/XX/2014 until XXXX and city Bank paid them while I was XXXX in XXXX. Next steps the whole process has upset my finances and budget to the following occurrences whereby the upset my budget and recurring payments.1. My electric coop has denied me access to their scheduled payments for service due to non sufficient funds in my account.2. My Auto insurance was cancelled due to non sufficient funds.3. My house insurance was cancelled due to insufficient funds in the account. 
Now as a result of this Citi has put into place an insurance policy estimated by me to cost me some {$5200.00} for the year and the new fleecing they are robbing for accounts to an increase from before I left the country last year to work from {$990.00} PER PAY PERIOD Every two weeks to now {$1300.00} this amounts to over {$700.00} monthly in mortgage payments to Citi. If I was making XXXX a year that would still hurt. 
Thus at this point there is no point in going out to pay for a home that is underwater I will never own and at this point of taxation I ca n't eat, heat or light my home, nor insure it, the cars or enjoy any sort of life style. At this point it would be better to move back to the family farm down south and live off the land. I can not continue to just subsist here with the horrible conditions imposed on me by Citi Bank Mortgage Would not be able to retire next year. It is giving XXXX and XXXX at this point. Thus I heard about your agency from the news this morning about out Military working men and women being gouged by unscrupulous individuals in areas of military bases. 
Thank you for listening it helps a little but the XXXX, XXXX and XXXX persist, XXXX