Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CitiMortgage RE : Loan # XXXX FHA Case # XXXX With a last minute request for a Profit & Loss Statement my ( XXXX ride-share ) income which was already showing in my bank statements already given explained in my Hardship letter, stated in the CFPB Complaint # XXXX, prior to the Foreclosure Sale date ( XX/XX/XXXX ), the FHA Pre-Foreclosure ( PSC ) documents were submitted received on ( XX/XX/XXXX ) was rejected. 

Complaints were filed. Calls were received by XXXX XXXX, XXXX XXXX User, from XXXX XXXX ( ID # XXXX ), XXXX Department on XX/XX/XXXX @ XXXX EST, that XXXX ( ID #??? ) XXXX, XXXX, XXXX, would call him. She called XXXX on, XX/XX/XXXX @ XXXX, stating because the foreclosure had already occurred that there was no option for a Short Sale. XXXX argued otherwise that the mortgage loan is a government insured product that they must obey the FHA Guidelines but she stated she had to go into a meeting and would call XXXX back. On, XX/XX/XXXX @ XXXX, XXXX XXXX called XXXX back [ now ] citing they did not get a full package ( 7 ) days before foreclosure sale date nor could not rescind the Sale because of FHA XXXX XXXX it is apparent contradictions that XXXX XXXX and XXXX XXXX XXXX Guidelines that do not exist FHA Loss Mitigation Options, Handbook XXXX, Sections nor would tell XXXX which Sections do these alleged Guidelines exist. 

IN SHORT, CitiMortgage consistently creates discretionary guidelines, arguments, delays, tactics to ratify [ this ] Foreclosure Sale outside of FHAs Loss Mitigation Options endeavoring no resistance of illegal foreclosure business practices/activities i.e. profiling XXXX ( minorities ) senior citizens, nix ( {$0.00} ) relocation money, ruin our credit and pursue a deficiency judgment the perfect crime. They can not be allowed to circumvent the Law of Unauthorized Mortgage Account foreclosure business practices very similar to the Court approves XXXX XXXX {$480.00} XXXX settlement for allegedly lying about fake accounts. Shareholders accused the bank of lying about cross-selling tactics XX/XX/XXXX, XXXX XXXX said events are much worse. 

A denial of Due Process will be deemed an act of conspiracy and conversion and will be escalated to the TV stations channels XXXX, XXXX, XXXX, and XXXX Investigations Teams, my State Delegates, Senator, Governor, Office of the Comptroller of the Currency, State Attorneys General Office, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX in the Morning. If necessary, XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be hired to file this Class-action suit ( yes ) it will cost CitiMortgage BILLIONS. 

On XX/XX/XXXX, I received a letter ( see attachment ) from CitiMortgage if the request for short sale is not rebutted before ratification of the foreclosure date or within ( 10 ) days by written response following your receipt of this letter, I will presume said above facts to be correct and will enforce my Rights against any and all Banks, Servicing Companies and/or persons who violate my Rights willfully or out of ignorance of the Law. 

UNDER PENALTY OF PERJURY, I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above Parties.

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