Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Called Citibank XXXX XX/XX/1922 Spoke to XXXX XXXX I have a XXXX House and I have only XXXX amount left on my house and now the rates are low so i opted for XXXX loan on my house as i was doing some cash out to pay for my credit card debts so Citi a credit check on me and came up with XXXX APR and the paperwork said the application is good for 2months so i started checking around with other banks also i got covid and so I got delayed in calling them but I did call the Citibank XXXX XXXX XXXX and spoke to the same guy stating i want to go ahead to my knowledge he said i didnt secure and paid the deposit so the loan was canceled and he will do a new search and between than and now the rate has gone upto 3.50 % APR I agreed to it even than he didnt give a valid reason why he canceled the loan in first place anyways he gave me a week time to decide on higher rate and on XXXX he talked to me and said the rates will go high next we need to lock this rate and i have to give XXXX application fee or next week the rate will go upto 5 % APR So unwillingly i gave him the deposit and than started the Paperwork from than to now i have been giving him papers everyday and sometimes he would say he not receiving paperwork sometime he will say it is not legit and sometimes I will get stupid questions from underwriters asking My COMPANIES NAME IS XXXX XXXX XXXX XXXX XXXX XXXX m a travel consultant in that company and few days later they came up with my Ex Brother in laws name why your name XXXX and XXXX they seem to be same names and he was my 1st husbands brother i didnt know why they have to dig him from 30yrs back I was very furious and i called and complained that i have been asked the same paperwork again and again so a Teamlead called me XXXX XXXX and she promised me i wont be harassed again with stupid question sure enough 2days later I was asked by Underwriters why is your Husband name XXXX that is his Alias and they said to explain and they digged all my properties and needed explanation they were pulling out my history from 30-40yrs back they didnt get anything as i m law abbiding citizen even though i have XXXX loans but i did my payments on time and credit score of XXXX respectively, And XXXX broke me when i sent him all the paper of tax returns which were given to me by Tax lawyer and XXXX said he needs more paperwork on tax return where can i bring XXXX paperwork when it was not giving to me I told him i think i m discriminated as I m XXXX please stop the application and give me my XXXX application money back and this guy look at his audacity i have been providing paper from XXXX and he withdraws my case and says i m not willing to give papers so CITIBANK wont return your application fee. Sir I am asking them for loan because i m down in credit card debts by XXXX and they are stealing my money and now when i m complaining nobody is responding to me i have called numerous time and no reply I just want my money back which i will dispute i paid by different card and i will dispute it there but my say is why is bank putting us up thru all this I m not begging for loan if they dont want to give it fine I will take my nice credit and get it from another bank even though the rates have gone higher but putting us thru mental trauma and than treating us like beggars and not calling back this is not done I work for XXXX XXXX XXXX reputable company and we are asked to reply if some customer has a dispute doesnt citibank have norms and respct for their customer why will they get away with screwing up my APR and will charge XXXX on closing cost and still dig into my credit history from XXXX back ... XXXX need justice on mental harrasment and trauma and I m discriminated because I am XXXX how can a law abiding citizen be harrased like this and the feel it will be just a mere complain I m not going to take this issue with hands down if not i will write to the CEO of company. I mean business I have been a nice person never declined or bounced any check in my life with a good history I just need a loan because of covid I was furloughed and part few months layedoff but that was not a crime. I need justiice ASAP any paperwork you require I m ready to submit. Right from the first time when i contacted them i have all the paperwork.

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