Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
1, I never received the {$5000.00} lender credit due to the homerun program I was eligible for. I was constantly lied too throughout the process that I was not eligible for it until I emailed the XXXX XXXX income median. I also reported to XXXX XXXX, I was forced to take a XXXX XXXX class as I was told by XXXX and XXXX once my loan originated XXXX XXXX would be my investor and Citi Mortgage would be my lender. NONE OF THIS HAPPENED. I would of never agreed and moved on with a different bank. I was more than qualified. CITI MORTGAGE IS NOT ALLOWED TO SERVICE THERE OWN LOANS DUE TO MASSIVE FRAUD. HOWEVER STILL CAN DO EVERYTHING ELSE ACCEPT SERVICE THE LOAN. THE OCC FINED MILLIONS OF DOLLARS HOWEVER THE OCC ALLOWED A LOOP HOLE FOR FRAUD AND GAMES. 
XXXX WAS THE MINION WHO KEPT CHANGING THE NUMBERS ON THE CD AND XXXX XXXXXXXX XXXX. I HAVE EMAILS FROM XXXX AND A RECORDED CALL FROM HER CELL PHONE INFORMING ME XXXX XXXX IS THE ONE WHO ADVISED TO SWITCH THE NUMBERS AROUND AND HAVE IT IN WRITING. XXXX XXXX SHOULD GO TO JAIL FOR FRAUD. THIS PERSON XXXX AND THE HIGHER UPS THAT ALLOWED HER TO COMMIT FRAUD. I HAVE ALL THE EMAILS FOR THE TEN HOURS ON XXXX CLEARLY TRYING TO PUT AN END TO THIS. I DID NOT WANT TO CLOSE AND POINTED OUT THE FRAUD BEFORE THE CLOSING. 

LET ME BE CLEAR THESE PEOPLE FORCED THE SELLER TO RAISE THE PRICE FROM {$220000.00} TO {$230000.00} TO EVEN OUR RATIOS FOR CITIMORTAGE AND THE SELLER WOULD PROVIDE A {$5000.00} SELLER CREDIT AND PAY DOC STAMPS. 

THIS DID NOT BENEFIT ME AT ALL. THIS COST ME MORE MONEY. 
THE HOMERUN PROGRAM OF {$5000.00} FROM CITI MORTAGE WAS NEVER GIVEN TO ME IN A CHECK AND FORCED ME TO CLOSE OR MY {$10000.00} WOULD BE LOST. 

2, MY INVESTOR IS CITI MORTGAGE, THIS WAS GREATLY DISCUSSED ON RECORDED CALLS FROM MY CELL PHONE AND MY MY LAW OFFICE. LAWYERS AT MY LAW FIRM ADVISED ME TO RUN FROM THIS BANK. I HAVE EMAILS STATING SUCH FACTS, XXXX. THE CONSTANT GAMES THROUGH OUT THIS PROCESS. NO ONE KNEW WHAT THEY WERE DOING. I STARTED THIS PROCESS IN XX/XX/2021 AND CLOSED XX/XX/2021. I WAS WELL PREPARED IN ADVANCE. PROVIDED ALL THE DOCUMENTS IMMEDIATELY. I HAVE ALL CORRRESPONDENCE, EMAILS AND PHONE CALLS TO BACK UP MY CLAIMS. 

4. I WAS INFORMED BY XXXX AND XXXX i WOUDL RECEIVE THE {$5000.00} IN A CHECK AFTER CLOSING. THIS NEVER HAPPENED. THE DAY OF XXXX. THE DAY OF MY CLOSING SCAMBELED FOR TEN HOURS TO CHANGE NUMBERS AND COMMIT FRAUD AS THE SAME WAS DONE THE NIGHT BEFORE ON THE CD AND DID NOT AGREE. MY {$5000.00} WAS LEFT OUT OF THE CD, NUMBERS WERE INFLATED AND CHANGED TO BENEFIT CITI MORTAGAGE. MY FICO SCORE WAS AN AVERAGE OF XXXX Citi Mortgage states this. False. I can provide my average was a XXXX. This did not change my rate as I was in the XXXX 's Citi inflated the interest rate to 3.2 % and I clearly stated that is not the correct rate. They came back with 3 %. It is all the game and what they can get away with from the consumer. The mental abuse dealing with these people was exhausting. XXXX XXXX XXXX XXXX. 

5. My {$5000.00} was never given to me and I NEVER AGREED TO BUY POINTS. I HAD NO REASON. I CAN PAY TWO EXTRA MORTAGE PAYMENTS A YEAR. THEY TOOK {$3800.00} FROM ME TO BRING MY LOAN DOWN TO 2,75 %, I DID NOT AGREE AFTER THEY LIED. I WAS ABUSED AND FORCED TO CLOSE. I ASKED FOR A DENIAL LETTER BY EMAIL. I WAS INFORMED CITI MORTGAGE WOULD BE KEEPING MY {$10000.00} ESCROW FUNDS IF I DID NOT CLOSE. 

6. LEGALLY A DENIAL LETTER WOULD OF RELEASED THESE FUNDS AND NOT ENDURE ANY MORE ABUSE FROM THESE CLOWNS. 

7. I HAVE EMAILS FROM XXXX XXXX THAT I WOULD BE REMOVED FROM ESCROW SINCE XXXX WAS BEYOND PUTTING ME AT RISK NOT PAYING MY TAXES OR HOMEONWENERS POILCY AND CAUSING CANCELLATION OF MY POLICY THE LAST TWO YEARS. THE ESCROW WAIVER WAS EXECUTED AND I HAVE EMAILS WITH THIS INDIVIDUAL. XXXX XXXX XXXX XXXX. My note has no limitations or any disclosures I must be escrowed. 

9. I have at least 6 CD from XXXX to XXXX. 

10. I will go to small claims court with all my emails and proof. 

11. The closing documents were wrong. I was completely abused on XXXX and DID NOT WANT TO CLOSE AND REGRET EVERY BEING INVOLVED WITH SUCH A FRAUD BANK. THE NUMBERS ARE SO CORRUPT ON THE CD. 



From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : Re : XXXX This XXXX is From an External Sender This message came from outside of your organization. 



This is ridiculous. 

I should be getting money back as the way it was explained I can use that money toward debt. 

Now I am paying for points. 

Bottom line- so many violations going on. 

Closer lied and chaos, conflict and constant confusion and circling. A lot of strategizing. I do not think so. As for what happen yesterday is downright unethical. What she was told by whom. XXXX said XXXX XXXX told her to change taxes!!!! 

XXXX, I like you however this is unethical dealings and not right. Citi needs to take accountability. 



This is unacceptable. All of it. 



Basically I am taking {$5000.00} to buy points! 

My hotel bill currently at {$4100.00} and counting. 



I am not closing today. Citi can be responsible for additional charges from the realtor and seller and take accountability for the violations. 



XXXX who is a very well respected Attorney is being blamed by the closer! 

This is very serious what is going on- Also as for the {$5000.00} there was never a conversation that I can only buy points with this. I was told I can put additional funds toward debt. What should happen is after all that happen apply it toward my down payment. This has cost me time and money. This is unacceptable on so many levels. 

2.75 % No I am not accepting that. It does not cost {$2500.00} for XXXX!! I am not paying for points. 



You better have XXXX XXXX office call me. 

I did not cause this! 



XXXX XXXX XXXX below is just some of the thread from these unethical leaches. 




XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX XXXX will send the correct one with $ XXXX lender credit and $ XXXX seller credit plz ignore that XXXX it is clearly incorrect and not updated with the correct figures yetthanks From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX [ XXXX ] XXXX XXXX : XXXX, XXXX [ XXXX XXXX XXXX XXXX : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. 



Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent. 

Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : Final XXXX XXXX, XXXX XXXX XXXX, Take a look and you will see I only received {$2500.00} from the {$5000.00} Homerun lender credit. 

Thanks, Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I just sent over most recent CD. I thought you reviewed the XXXX XXXX attached to the email. 



Thank you. 



From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. 



Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent. 



Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwriter? 


Sent from my XXXX On XX/XX/2021, at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX If you could please be patience I promise XXXX is on top of this and will get it fixed please just give her some time You will have a {$5000.00} lender credit and a {$5000.00} seller credit at closing you absolutely have my word on that just plz be patient here Thanks XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX I am not going to do this XXXX Why all the confusion. You sent me a secure CD its wrong. The taxes were reduced. SEND Me the proper CD you have me owing at closing??? 

Sent from my XXXX On XX/XX/2021, at XXXX XXXX XXXXXXXX, XXXX XXXX wrote : XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX That is correct. XXXX called me and stated the prorations from the seller were reduced. 



XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX XXXX, Its way too much now. Did you see the CD I sent you. The new CD she sent property taxes were changed to {$350.00} from {$2900.00} approximately. 

This is just well careless. I am exhausted from this. 


Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I tried calling you, it says your mailbox is full. If you have any additional questions please contact me at XXXX. 



Thank you. 



From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX Before I speak to you . Please see next email with proper updates that needs to be corrected. See Next Email with CD and correct figures. 

Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : " XXXX, XXXX XXXX '' XXXX Subject : Re : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX me, XXXX XXXX, Prorations ( the only thing that changed ) come from title company. XXXX called me and said the seller reduced the prorations. That is something that is out of my control. 



Thank you. 



From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX The property taxes are not {$350.00} for 8 months!!! 

Sent from my XXXX On XX/XX/2021, at XXXX XXXX  XXXX, XXXX XXXX wrote : XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX Sent from my XXXX XXXX forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX, XXXX XXXX '' XXXX Subject : RE XXXX Final CD XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX I do not see XXXX XXXX shot. Can I have the final CD. 

XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX Sent from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX, XXXX XXXX XXXX, Take a look and you XXXX XXXX XXXX only received {$2500.00} from the {$5000.00} Homerun lender credit. 

Thanks, Sent from my XXXX XXXX attachment Scanned by XXXX XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX See another XXXX! 

Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : XXXX XXXX Final CD XXXX, XXXX Look at the XXXX XXXX XXXX XXXX sent you that XXXX not show {$5000.00} lender credit. This is the last XXXX XXXX sent. 


Sent from my XXXX XXXX attachment Scanned by XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX me Good morning XXXX : The XXXX you sent may not be the final CD. If the final CD does not utilize the full {$5000.00}, we are dropping your interest rate and adding points, giving you a better deal. We will not leave any money on the table. 



XXXX XXXX Sales Manager, CBNA XXXX XXXX ID : XXXX CITI Logo Profile Picture XXXX XXXX XXXX XXXX, MO XXXX OFFICE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX EMAIL : XXXX WEB : citi.com/jimurosevic When using email to send confidential documents, remember that email delivery is not always secure. For a higher level of security, visit www.citi.com/mortgagestatus to check your loan status and upload required documents. If you prefer to mail your documents, a self-addressed envelope will be provided in your Welcome Package. If you require an additional envelop or need assistance uploading documents, please contact your processor. 





From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX AM To : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. 



See another CD! 



Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to HollySargent These fees that will the seller will accrue will not be in me thats for sure. 

I have such pains in my chest and due the stress I can not even work today. This has caused so much conflict with my office, personally. 

If this was an error on XXXX office thats there problem not mine. 5 hours dealing with this.

Legally Citi is not in compliance. 

I will not be sending or communicating with anyone as its not my problem. I have made this my problem for months and months. Ive officially check out of being a dog and trying to fix the constant problems. 

Have a nice weekend, Sent from my XXXX Begin forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX Cc XXXX " XXXX, XXXX XXXX '' XXXX Subject : RE : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX, XXXX, me XXXX XXXX To echo what XXXX stated I emailed an underwriter to request that we lower your rate even further to make sure you get full utilization of the {$5000.00} lender credit and dont leave anything funds on the table. 



Please know we are working on this as quickly as possible Thanks in advance for your patience From : XXXX, XXXX [ XXXX ] XXXXXXXX Sent : FridayXXXX XXXX XXXX XXXX XXXX XXXX To : [ gmail.com ] XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : RE : Final CD XXXX, XXXX

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