Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have been trying to get an audit of my account from the mortagge company for over 2 years, and applied for a modifcation with no results. I have submitted over XXXX applications within the past year, and each tie they would reassign the account after 90 days by allowingthe information to expire. There was an agreement reached by the federal courts where Citi would correct the account, and offer a structured payment plan that woud be affordable. During this time XX/XX/XXXX and XX/XX/XXXX, they assigned a rep, then it went to another. Citi agreed to a principal reduction, and sent information that exceeded my budget. however, to show good faith I paid XXXX a month to build a trial plan, where the loan could become stable and after i 'd lost my job in XX/XX/XXXX, and filed bankruptcy to see what could be done. during XX/XX/XXXX, i was just XXXX behind, as the employment ended in XX/XX/XXXX, it too Citi 3 months to offer me anything, By this time, the account had grew that it was impossible to do anything. 

Currently, I was paying Citi constantly on a monthly basis of {$1700.00} from XX/XX/XXXX until XX/XX/XXXX. I stop paying as I started receiving foreclosure notices, and realized that my payments were not being applied to my account. They had me blocked from their internet site where payments could not be applied, ( i never wrote a bad check or anything with them ) they stated its a process when they are working on accounts to limit the use where updates can be made. Therefore, i sent payments through my online bill pay, where evidence could be tracked. 

So in XXXX, Citi asked for me to send another loss mitigation application, and i did just this with the new rep, and they came XX/XX/XXXX or XX/XX/XXXX with a payment XXXX more than my original payment. I asked why and what were they doing, they said it was n't an explanation for it and demanded that i either accpet what they had put in the document or reject it. I then, edited the trial plan with payments in which I knew i could afford, and asked them to revised the documents ; they refused and sent my account to XXXX a foreclosure company to cause embarrassment abd economic harm when it is clear that information in which consumers are entitled too should be shared. 

at the same time, they have added {$60000.00} to my mortgage and I am not sure where this is coming from, also Citi is aware that i am a victim of preditory lending. when I purchased the home it was for sell of XXXX, and the lender sent XXXX, where the broker and agent took at least XXXX off the transaction and registered my home as sbeing purchased at XXXX. When the economy changed in XXXX, i lost my job, and paid until all of my savings were gone, then asked for the interest rate to be changed which was done in XX/XX/XXXX every since then, its been a problem, and I would get mail from different entites of Citi XXXX reflected different things. The more i tried to explain the worst it got, then finally the Ceo XXXX XXXX answered my email and we had account in good status for about 9 months. when he left, the same old systems that sent bad information before started happening again. 

i understand there are XXXX federal orders that protect homeowners like myself, and each time i have requested a face to face with Citi they declined and said we have assigned some XXXX who you can work with at your convienence which is over the phone and by email. 
This is where shuffle begans all ober, and again, and again. I hae explained the situation more than once with the Mortgage lender, but it appears they have a duplication in their system where everything is not getting communicated properly, and I keep running into these unwanted problems with them. they lead me to belive they had underwriters working on my loans and processed information correctly and now has sent my acount to a firm for foreclosure. I am not understanidng this.