RE: Account #

I have for over a year now tried to get some help from CitiMortgage with this loan.
In the beginning; (due to my error in re-financing with a company) I was not told, although I’m sure it was in the fine print that my new mortgage (approx 2003) would become adjustable after a 2 year time. I was told I would be able to refinance in 6 – 8 months which didn’t happen because at the end of the 8 months they told me that property values had dropped and it would be impossible to refinance now.
In that time my mortgage was sold to CitiMortgage. EVER since that time I have had trouble with CitiMortgage.
In August 2009, I called CitiMortgage trying to get a modification on my loan. Due to divorce-legal fees, etc. I was having financial difficulties. I was told that in order to process a modification, I would have to be BEHIND on payments 2 months. I proceeded to work on this modification, all to no avail. CitiMortgage claimed not to have received my faxes (even though I had proof) and had to re-send them. Then was told it might take 6 – 8 weeks before any answer could be solidified. In the meantime, this is being reported to credit reporting agencies as a delinquent account, thus hindering my credit score in the meantime. By March 2009, there was still no help from CitiMortgage and with the lack of help from CitiMortgage and the other financial difficulties, I had to file bankruptcy. I kept the house out of the bankruptcy however, and in order to file was told by my attorney that the 2 payments I was behind with CitiMortgage would have to be paid before the bankruptcy could be filed. So at that time through borrowing money I was able to get those 2 payments paid. A few weeks after the bankruptcy filing however, I received paperwork from CitiMortgage showing the $1900 (plus) that I had paid in March was not accounted for by CitiMortgage, thus CitiMortgage sent a modification to sign.
As of this date, I’m not sure whether that money was ever accounted for.
Beginning in April, I called in my mortgage payments, because I was blocked from paying online. EACH and EVERY month I called to pay, I was directed to the bankruptcy department even though the house was NEVER in the bankruptcy. Each time I called to make these payments, I was sent to this department to make my payments, and each time was told to pay $809.68 – which I did. All this time I’m receiving a statement each month also, BUT NEVER does it reflect that I have a late charge, that I am a payment behind or no such info except the monthly payment. At the beginning of October 2010 I called to make the September payment AND the October payment and was told that I was almost $3000 in arrears. In talking to someone at CitiMortgage, I am told that SINCE April, only partial payments have been being applied – thus my account is showing VERY delinquent and multiple reports have gone out to the credit reporting agencies (like I need ANY more bad reports at this time). This was due ENTIRELY to CitiMortgage giving me INCORRECT information. Included in the payment in October (according to the person taking the payment) was the late charge fees.
In October, I paid $1502 and change, in order to try and begin to correct some of this. Then in November I phoned in another payment for $878 and change (plus any charges that were additional JUST to pay). Then in December, I called to make a payment and was again told I was 3 months behind. Upon checking, CitiMortgage discerned that they did indeed have the confirmation # of the payment, but it had not been applied. They would send it to the correct department and try to get this taken care of but it might take 2 weeks. In the interim, I receive a letter requesting my checking account information showing these payments. So, I got these to CitiMortgage, and in 2-3 weeks had received a letter stating that the $1700 (plus) would be reapplied to my account – and they would send a notification to the credit reporting agency in reference to NOVEMBER. To begin with there were MANY months that there was negative info reported to these agencies (again, due to mis-information from CitiMortgage) that have NOT been corrected.
In addition, this as to my understanding is and Adjustable Rate Mortgage (again unbeknown to me), and in light of mortgages rates today and in the last year – SOMEHOW my interest rate is still almost 10percent… Is there an explanation for this that I’m not aware of?
IN ADDITION to that – today 1-26-2011, I get a letter saying that because of the delinquency on my account, there will now be an exterior inspection of my home, with the charges being applied to my account, AND these MAY continue monthly.
What are you people trying to do? Make me lose my house? I have tried for a year and a half to get some resolution, help, satisfactory answers, some kind of helpful information from CitiMortgage – ALL to no avail. Instead I’m getting charged for anything that can be dreamt of, with the potential for additional charges.
And now, yesterday 1-18-2011, get yet another letter pertaining to my DELINQUENT account..
And now an update from my credit report showing something else from CitiMortgage. I am NOT delinquent on this account. I have made payments that were supposed to cover and erroneous late charges and now ONLY have the January payment that is due… What else can I do to get this straightened OUT? Anything reported from CitiMortgage to the credit reporting agencies should have been to correct the last entry which showed delinquent.
I am at the end of a very long divorce dispute, just finally closed on my bankruptcy and am trying THE BEST I KNOW HOW to begin building my credit score again.
Any response that I do get is slow to get here, and apparently crossing over from another department within CitiMortgage and your right hand doesn’t appear to know what your left hand is doing.

If there is another action I’d like to know about it.

Thanks,
Dan