Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I owed a piece of property outright. I obtained a loan to pay back taxes and renovations and put the property as collateral. Last XX/XX/XXXX I called CitiFinancial in regards to giving the property to CitiFinancial in lieu of what I still owed. I did this because of the issues I was having with my neighbor to the north of my property. He placed a deed on top of my deed at the courthouse, called the police on me and my daughter, as well as removed my fences and trying to change the boundaries. I had gone to the police and taken him to court ; because the police said they had been out there for domestic abuse calls. At any rate, CitiFinancial asked that I fax all documents and important information which I did. I was then called by CitiFinancial and informed that they did not want the property or headaches either. So I was told by XXXX ( Settlement Dept ) that I could get a settlement agreement, She indicated that I should not pay the loan for 3 months for the system to accept the settlement to the account. I did as she said, however I still continued to contact CitiFinancial in regards to the account and the progress for the settlement agreement. In XX/XX/XXXX I started communications with XX/XX/XXXX XXXX of CitiFinancial as well as with XXXX. In XX/XX/XXXX I received communications that the settlement agreement was approved. Then I received the offer and I sent to my attorney. I call XXXX several times with questions from my attorney. I signed and sent the agreement back. I called, emailed and faxed along with voicemails asking someone to call me to draft the funds from my bank account as I was going in the hospital for XXXX. No one called or responded to my emails about the payment. After I was released from the hospital I received a letter saying that I failed to make the payment. I immediately started calling CitiFinancial in regards to their people dropping the ball to call me to draft the money. Last year between XX/XX/XXXX - XX/XX/XXXX I actually called CitiFinancial XXXX times and they called me XXXX. I called CitiFinancial at lease XXXX times since XX/XX/XXXX in regards to the late payments reported to my credit reports. I did speak with XXXX in the Settlement Dept who stated that while I was in negotiations with CitiFinancial in regards to the settlement agreement that there should not been late payments reported. period. However, CitiFinancial reported late payments XXXX / XXXX / XXXX / XXXX / XXXX AND XXXX XXXX. I admit I did as XXXX said and did not pay XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX but XX/XX/XXXX thru XX/XX/XXXX was negotiations and begging for the payment to be made. 
I want CitiFinancial to remove the late payments from XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX 
I am trying to obtain a student loan for my daughter to go to college. These late payments are keeping me from being approved. I was and have been calling CitiFinancial in regards to this issue for months now. Again, XXXX stated late payments should not have been reported. Had they accepted the property in lieu of the loan I still owed ; I would not be having this problem today. I accepted their offer for a settlement agreement. 
Please help. I am sending all documentation related and contact information with CitiFinancial.

Company response to consumer: Closed with explanation