Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
With the help of the Consumer Fraud Complaint Unit of the New York State Attorney General, in XXXX we began to investigate a fraud on the homeowners insurance policy for my residence located at XXXX XXXX XXXX, XXXX, New York XXXX, located in the TOWN OF XXXX, XXXX XXXX, NEW YORK. 
All my family business was being handled by my lawyer of 10 years, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York. I did forward documents pertaining to the homeowners insurance policy to XXXX XXXX. Soon after, XXXX XXXX XXXX, my Attorney of ten years, accused me of harassing him and I did visit his office with a witness to deliver a cease and desist notice for all my information that he did represent me for. In XXXX, with the help of the Office of the NYS XXXX, we did determine a fraud on the homeowners insurance policy and the policy was cancelled, Citimortgage was notified via certified mail, of the fraud and of the fact the XXXX XXXX was no longer retained as my legal representative. In XXXX XXXX, Citimortgage did notify me that it was within their right to obtain an insurance policy for the residence for which they claimed to hold the mortgage for, this correspondence was once again incorrectly sent to the law office of XXXX XXXX as XXXX XXXX XXXX XXXX. And ownership of the mortgage remains in dispute from documents received in XXXX that they sent me indicating the XXXX XXXX group, XXXX, NY holds the mortgage. In XXXX XXXX I did receive documents from Citimortgage indicating that they obtained an insurance policy for the home via XXXX, XXXX XXXX XXXX XXXX located in the COUNTY OF XXXX, in XXXX, XXXX XXXX had listed the policy delivered through the mail addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF XXXX & XXXX XXXX XXXX XXXX XXXX NY XXXX. Documents were sent certified to Citimortgage, via XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX which is the insurance processing center for Citimortgage Inc, to notify them of the insurance fraud which was determined and to notify them once again the XXXX XXXX XXXX, XXXX XXXX XXXX is NOT the legal representative for my family. We have NOT received a response.The policy in place is once again fraudulent. A mortgage fraud has been determined via counsel for Citimortgage at the XXXX County Supreme Court, XXXX, counsel is XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. This is the fourth fraudulent foreclosure attempt. XXXX XXXX is in collusion with XXXX XXXX XXXX representative XXXX XXXX, located in the Citibank XXXX XXXX XXXX, XXXX who held an auto insurance policy on me in XXXX and staged an auto accident upon me to enable me and my children to be followed and stalked away from the family home. XXXX XXXX was my lawyer, he did serve Summons and Complaint to the driver who struck my car, he filed the papers in the wrong name. When I asked him why, he claimed I harassed him. Soon after my young daughter was stalked until she ran away from the family home. The previous homeowner suffered the identical crime. When she tried to report it to the XXXX Police XXXX Precinct, she was called crazy. XXXX XXXX was the XXXX XXXX Attorney for the the XXXX Precinct. I was called crazy when I tried to report this identical crime. My family continues to be menaced by XXXX Precinct officers and receives traffic tickets every month. With the help of the XXXX we discovered a fake accident listed on my XXXX Report. The accident occurred in XXXX. A ring of XXXX criminals ran a staged auto accident ring there and staged XXXX accidents, " Pop '' XXXX XXXX was arrested. This is part of the ring operating in XXXX, NY that stages accidents and stalks homeowners from their homes. Investigate it.

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