Consumer complaint received 2017-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX XXXX and I am currently facing a foreclosure. My mother, XXXX XXXX, and I purchased our home in XXXX. I cared for her up until her XXXX in late XXXX. In early part of that year she was diagnosed with XXXX and being the only XXXX she had I was left to care for. Due to our inability to hire a care taker I was the one that drove her to all necessary dr appointments and was by her side when she was too weak to get out of bed to either use the facilities or eat. I continued to care for her for almost two years until it finally took its toll with my career and marriage. I lost my job in late XXXX and my wife filed for divorce a few months later in XXXX XXXX. My wife and I have XXXX daughters who were left with me to care for when my wife left us. Without a steady income I grew behind on my mortgage payment fast. Up until that point I had never been late once on my payment. I quickly started researching avenues of assistance and was given by my lender, Citi Mortgage XXXX, an application for a loan modification. I filled out the necessary paperwork and submitted my documents that were being requested by them. I was constantly checking the status of my application. After several long months I was told by Citi Mortgage that the documents I had submitted were outdated so therefore I would have to resubmit everything. I complied with them and submitted updated documents. In XXXX of XXXX I finally reached out to a consumer counseling agency ( XXXX XXXX XXXX ) which then assisted me in my modification application. I was hoping that by getting assistance I would be treated fairly. I again submitted more documents and completed a new application. In XXXX XXXX I hired an attorney, XXXX XXXX, who stated he would be able to stop my foreclosure and get my loan modification approved. He too did the same and went through the process of submitted documents as well as constant communication to follow up on my status. After several months he too grew weary of how Citi Mortgage was handling my account. By late XXXX I heard an infomercial and contacted XXXX XXXX who guaranteed me that he would stop my foreclosure and get me a new fresh start with a loan modification. It was all a scam and quickly after paying him his fee I never heard from him again. In early part of this year I took my case into my own hands and filed an unlimited complaint against Citi Mortgage, XXXX, XXXX XXXX XXXX ( my original lender ) and XXXX XXXX XXXX XXXX prior Lender ). On XXXX XXXX a judge gave a tentative ruling and omitted my 8 Cause of Actions due to lack of detailed information needed to win such a case. I am not a lawyer nor know the laws that fall under real estate. After reviewing my case I firmly believe that I have been discriminated against and have been harassed by I am planning to file an appeal and keep pursuing my case. This experience has been detrimental to me and my family I feel I owe it to them to fight for what I believe to be truth and continue on with my case. The emotional strain this has caused is now affecting my physical health. My mom came to this county 76 years ago as a migrant with the hopes of owning her own home and living " The American '' dream. I 'd like to think that I too can leave a legacy such as hers for my family.