Consumer complaint received 2016-05-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

I am posting this complaint to alert CitiMortgage to the fact that, although CitiMortgage has not met my requests for certain disclosures related to an alleged " loan '' and, since my first complaint in XXXX, XXXX, has not addressed a violation of federal statutes cited in a forensic audit, yet I am open to proposing an offer for the sake of a quick resolution. 
From my rough calculations I have made payments of over {$3000.00} to " Settlement Charges '' and over {$88000.00} to CitiMortgage. Plus I 've noticed discrepancies in the insurance payments and the overall Payment History records, which means there may be additional payments not included in the rough calculations. And so in keeping with the Fair Market Value of my property, I may owe approximately {$3000.00} after a TILA rescission, which is deemed necessary due to the lack of mandatory disclosures and federal violation. 
I would really like to know where this money went, so that I can negotiate a settlement under the law. I have tried to reach XXXX XXXX , XXXX ( the so-called lender ), only to discover that the company is now defunct. A XXXX search on XXXX XXXX, XXXX turned up several sites for XXXX XXXX , XXXX, with several different addresses and telephone numbers. I called XXXX numbers and each number returned the following message : " We 're sorry, you have reached a number that has been disconnected or is no longer in service '' I also found the following report posted XXXX XXXX, XXXX on the web site : XXXX " AG charges XXXX business owners with mortgage fraud '' " XXXX XXXX XXXX -- The XXXX Attorney General 's Office says a XXXX company was running a lucrative mortgage fraud scheme. 
" Police raided Utah XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX and his wife, XXXX, now face XXXX counts of communications fraud, XXXX count of racketeering and XXXX counts of money laundering. 
" The XXXX are accused of preparing their own highly-inflated appraisals of properties using the name of a licensed appraiser. 
" The attorney general 's office claims the XXXX used straw buyers to obtain loans at the inflated values and skimmed XXXX dollars in equity from the properties. '' To quote from another site : http : XXXX, " XXXX has determined that this company is defunct. '' A search on the XXXX Secretary of State site produced the following listing for XXXX XXXX , XXXX. 
Business Name : XXXX XXXX, XXXX Control Number : XXXX Business Type : Foreign Profit Corporation Principal Office Address XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX Registered Agent Name : NONE Status : Revoked Citimortgage has not disclosed the actual entity that funded the alleged transaction, except that XXXX XXXX , XXXX XXXX listed as " Lender '' on the Note. But if XXXX XXXX , XXXX was charged with '' running a lucrative mortgage fraud scheme '' according to the XXXX Attorney General 's office, and the corporation had its status revoked by the XXXX Secretary of State, then in which Trust are my payments being deposited? 
CitiMortgage has neither provided disclosure nor shown its connection to the note or the security deed. However, I am willing to tender the amount of {$3000.00} in return for a guaranteed free and clear title. This offer is made to CitiMortgage in order to conclude this matter so I can proceed with my estate planning, as I am now XXXX years old. I patiently await a response.