Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Loan XXXX. Citi Mortgage XXXX is the subservicer. 
Both of these banks are violating my rights. Committing fraud, lying, did not pay the taxes that were due for the year. Forced me into escrow stating XXXX XXXX will not allow a non Escrow account! My loan is not even XXXX XXXX owned. I would of never in a million years obtain a mortgages backed by this XXXX  bank who has millions of dollars in fines in e wry aspect of fraud from banking, mortgage, not paying escrow accounts. Sterling money out of ESCROW row accounts. Over charging interest, XXXX XXXX has escalated and is investigating fraud. The loan originating and never bought by XXXX or XXXX. My closing docs were hanged the day before closing to not provide my lender credit of {$5000.00} than fudged more numbers during the process of doing a seller credit which made not any sense. My ratios were XXXX XXXX guidelines and I do not have A XXXX XXXX XXXX which I have many emails supporting my claims. I did not want to be escrowed as I was concerned about the fraud Citi bestowed on millions of people. I did not want to close on this loan as fraud was clearly done making me by {$4500.00} of points to go from a 3 % to a 2.75 % the day before closing! Which took well over 60 days and kept delaying the closing. I was threatened that if I didnt close I was losing my {$10000.00} XXXX money from Citibank . I have many emails from my closing attorney that indicated that the closing documents were fudged and told by the loan closer who lied and then finally admitted the senior loan closer XXXX XXXX told her to change the numbers and if she did not the Jr loan closer would be fired. I have this on a recorded call from the JR loan closers cell phone. I have emails from XXXX XXXX stating she was only told what to do. Referring to the XXXX XXXX closet a d orders from senior loan closer. Basically took my {$5000.00} lender credit that could of went toward closing costs yet without my consent of XXXX a measly XXXX for close to {$4500.00} to {$4900.00} to cover there disgusting fraud. 
I called XXXX shortly after I closed telling them I will have financial difficultly paying this loan after making pay off my car and ZERO credit cards! Left me with XXXX! I was ignored! The loss mitigation documents were only received XXXX and have a signed notarized document from the mailman of 35 years! 

My {$2000.00} from Citi bank that directly went in my bank account from my direct deposit has been stolen by Bank XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I reported this for 16 days straight to Citi bank. Ignored. Money just gone in thin air. XXXX tracking number provided does not exist. These funds were suppose to go toward my Mortgage payment. Stolen. Where is the money. 18 days. 
Horrific fraud! XXXX XXXX was emailed the CEO! All of my complaints were ignored and this behavior is accepted. 

I borrowed the money for my first mortgage payment and paid on XXXX and if the stolen money is not provided I will be filing a chapter XXXX against my mortgage. I have hired an attorney and advised to file XXXX immediately! 

Where is the money out of escrow to pay the taxes on the property! 

XXXX XXXX filed a FTC and actually called the FBI as they are shocked what is going on. 

All the way around I have been abused, mentally, and have taken a unpaid leave of absence and being intimidated and threatened by this bank. 

I will not continue for this bank to steel my pay that was in my bank account and Stole it and. I where yo be found. Charging me late fees and have a personal vendetta against me. XXXX XXXX is getting there resources together to ensure this CEO is held accountable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation