Maybe I spoke too soon when I said things had been resolved…
I got an automated phone call this morning from CitiMortgage; the threatening one where they say no payment has been received and they will be reporting you to the credit bureau, etc. *Sigh*
So I call the number as requested and sit on hold for 30 minutes before I finally get a human on the phone. (Sidenote: why make me enter my account number on the keypad if you’re just going to ask me for it again when you finally pick up the phone?) The 
lady 
A few minutes later, she told me that everything would probably taken care of before the end of the month when my account would be reported as delinquent. Gee, how could I not find that reassuring.
I asked what I should do if I get further phone calls like I did this morning. She said I shouldn’t worry about them, that I didn’t need to call back. “Really?” I asked, “You’re telling me to ignore phone calls saying that my account is overdue and that it will be reported to a credit bureau? Hello, hello?” She’d hung up.
I think it’s time to write a letter to someone higher up at Citi.
Popularity: 22% [?]
Geof F. Morris adds this Comment:
Dude, the next phone boob that you get like that … ask to speak to their supervisor right away, and repeat that request until you get one.
October 27th, 2004 at 10:06 am
tony g. adds this Comment:
Always ask to speak to a supervisor. 9 times out of 9 you will have to ask more than once, but keep asking until you get one. When you finally get one, make a note of their name, position, and whatever employee identification scheme the company you are calling goes by. Make a note of when you called, what was discussed, and what the resolution should be once you hang up the phone. This will allow you to challenge any misinformation they throw at you later. Remember, people like you are a threat to finance company employees. If you pay your bills on time and don’t have any problems, they have no reason for being there. Making life harder for you is job security for them.
October 27th, 2004 at 10:35 am
Dougal Campbell adds this Comment:
I agree with Geof. Don’t hesitate to make an ass of yourself if that’s what it takes. Keeping in mind, of course, that it’s not the fault of the low-level call-center drone that you’re talking to at the moment.
This reminds me of the problems we’ve been having with Blue Cross/Blue Shield. Over the last year (approx), they’ve been screwing up a lot of claims from our doctor visits. They can’t seem to get straight which policy is primary and which is secondary. At one point in their attempts to “fix” the problem, they recalled a bunch of payments that they had already paid out to doctors. Which caused the doctors to turn around and bill us.
The last (but not really) straw came a few weeks ago when we received a letter from a collection agency. We called BC/BS again and finally fought our way to a supervisor. As far as we can tell, this particular problem was resolved, but we still continue to get bills for things that the insurance should be covering.
We have spent literally hours of our own time talking to BC/BS about these problems, who has these commercials on TV about how they’re supposed to take care of all the details so that we can concentrate on our families (not in our case, obviously). All the while, we continue to pay about $750/month for our COBRA coverage. What the hell are we paying them for, if we are the ones who have to get all this crap straightened out ourselves?
Bastiges.
So, anyways. Yeah. Get to a supervisor. Make sure you write down their name and if possible, get a way to contact them directly. Try to get them to follow up and verify that they’ve fixed what needs fixing.
October 27th, 2004 at 10:44 am
Judy Schnabel adds this Comment:
Our home, mortgaged through CitiMortgage, was severely damaged by Hurricane Charley.
Since a mortgage exists on the property, all the insurance proceeds must go to a company in California who oversees the disbursement of the funds.
I believe the name of the company is Fortis. Whatever, it is totally impossible to speak with a representative. If you’re able to get a recording, you might be on hold for 30 - 45 minutes then the line goes dead. Or, you get the message that the voice mail is full and you must call back.
My husband and I are extremely disappointed with the customer service at Fortis. We are convinced that CitiMortgage must be ignorant of the fact that “we are the customer.”
November 23rd, 2004 at 2:25 pm
John Brantley adds this Comment:
I truly feel your pain. Just today I got the run around as well. Citimortgage just merged with the company that held my mortgage. At the first of the month I called to find out how I should make my payments…(I was on direct withdrawn from my checking acct.). “Send a check” I was told. I did so and they promptly cashed it as well as did a direct withdrawn from my acct. Not aware of this I unknowningly was bouncing checks that have resulted in $210 in over-drafts. After three phone calls all I got was send a bank statement to account inquiries and if you don’t hear from us in 2 weeks call back!
January 19th, 2005 at 7:12 pm
J.A. Jackson adds this Comment:
I have had the same problem with my mortage payments can you give me the name so the CEO for Citi Mortgage?…Please read my letter below and post…
July 18, 2005
Citi Mortgage, Inc.
Customer Services Department
P.O. Box 689196
Des Moines, IA 50368-9196
Dear Sir or Madam:
I’m writing to you in response to the overwhelming parade of form letters I keep receiving from your company. A few months ago, beyond my control &/or approval, my mortgage loan account was switched from Hibernia National Bank’s local office, to Citi Mortgage in Des Moines. Since this switch, I’ve had nothing but trouble with my mortgage loan. My troubles range from your office screwing up my escrow account (this took several calls before it was finally corrected); to RUDE & UNPROFESSIONAL Customer Service Representative; to threatening letters from Your Collections & Optional Product Departments; I do not appreciated the way Citi Mortgage is handling my mortgage loan account. My credit is and always has been in good standing with my Mortgage Company and I plan to keep it that way. Any negative reporting to my credit is a violation under the Equal Credit Opportunity Act (“ECOA?), 15 U.S.C.S 1691, and its implementing Regulation B.
Please know that I don’t not need to speak with anyone at CCCS or anyone at the Urban Housing Authority; nor will I continue to pay late fees; nor will I pay a fee to make any type of electronic payments. My payments are mailed in ample time to reach your office and be applied to my account without a late fee being added. I find it very strange that every time I call Citi Mortgage to inquire about my payments, I’m told by your CSR, “no payment has been received?. But when I place a second call later that same evening to Citi Mortgage, a payment has been ironically applied to my mortgage account.
I would appreciate it if you would please make sure that ALL payments are applied to my account PROMPTLY upon receipt. Meanwhile I will be consulting with my attorney and searching for a more efficient mortgage company.
Very Frustrated Customer,
Cc: Better Business Bureau – Shreveport; Des Moines
Optional Products Department; Collections Department
Richard S. Feinberg, Attorney at Law
FTC/Federal Trade Commission
Louisiana State Attorney General Office
July 26th, 2005 at 11:57 am
Shirley A. Graziadei adds this Comment:
the 29th of July, 05, Citimortgage won their case in court and granted to foreclose on my home, I have been in litigation with Citi for hte 71/2 years for since 1998 they have made nothing but accounting errors, mostly in our escrow. I have lost our credit, have nothing left in our savings acct. my marriage of 34yrs has ended, for all the stress CMI has cause between my disabled husband and myself, in wanting toi keep this home and not give in to their demands. but to lose your home and not be heard in court was too uch. nowI am told to appeal and with$.00 in bank, how! . I have been searching the internet for goverment official, agency, anyone who would be able to help in thie legal mess, would you beleive, with all the listings that their is help, especally those that are funded by our goverment , for helping those in need, their is no one, no one at all.
August 4th, 2005 at 12:51 pm
TRESIA TRELOAR adds this Comment:
Please post this comment for Shirley Graziadei to respond to me. I have also had numerous problems with Citimortgage since our transfer of loan from our previous company to Citimortgage. Our situation is similar to those whom have experienced, late pays, unapplied funds, foreclosure, and the rude responses. We are attempting a lawsuit. For anyone that can not get results with Citimortgage, please contact us at ttreloar@earthlink.net.
August 5th, 2005 at 7:38 am
Yvonne adds this Comment:
Yes Citimortgage is a problem. We had our funds put in the unapplied funds box. Payment is there but in order to rack up late fees they do it continuously. We also had many maybe 30 calls to the Land of India where when you ask for a Supervisor they put you on the never - never land line and are cut off. This Bank tried to hijack your payments and get as many late fees as possible. I protested and got all mine cancelled. I spent at least 6 mos 2-3 hours a day talking to fix this and to credit that. Finally we asked to have the loan sold. They said no! So we refinanced with another bank. The most amazing thing is you can pay inside the bank and it takes 10-14 to get credited into you account. Even with the receipt they still applied late fees. The only time we got a real response and quick help is when I told them that they were doing mafia extortion tactics, and I was going to sue them. After all of this they tried to demand we get automatic payments. If I can’t trust you to credit a check your not going to help your self to my bank account. So we refinanced with another bank. But I do agree citi is the worst. They are getting rich off of all of the fees and most of all the late fees and the disappearing escrow account. Good luck to all who bank with CitiBank.
August 5th, 2005 at 11:14 pm
Wendi Olson adds this Comment:
My home equity line of credit account was bought from First Horizon. It has only been two months since the transfer and I’ve had nothing but grief and aggravation from Citi Mortgage. They applied a past due amount and when I went in, in person, I was told that was a mistake. So I made my payment without the past due amount. They then froze my account and caused a multitude of checks to bounce by returning a check I had written on my Equity account. I am also going to find out the CEO’s name, but after reading all these horror stories about Citi Mortgage I doubt they care.Perhaps a class action lawsuit might force these idiots to clean up their act!!!!
August 31st, 2005 at 3:23 pm
Brian G. adds this Comment:
Dear CitiMortgage,
It is unbelievable that a prestigious (by self proclamation) financial institution such as CitiMortgage would sent to me a mortgage payoff check with absolutely no reconciliation or accounting of funds included. I have no doubt this is by design, and the purpose is to steal money from honest hard working individuals. I suppose the more prudent thing would be to first call (again impossible by design) or maybe write a polite letter asking for an explanation. Truthfully, I am sick and tired of this corporate mode of operation.
Below is my accounting based on your records:
CitiMortgage Statement 07/05/05 mortgage balance = $95,158.13
Payment Check#1913 (posted 8/10/05) $1,004.54 = applied principle
Balance due at payoff = $94,619.47
Fidelity National Title - Payment to CitiMortgage =
OVERPAYMENT = $1,545.48
CitiMortgage Check No. 602049441 =
BALANCE DUE = $209.30
Im fairly sure that I will receive from you some fuzzy math explanation, or some fine print excuse why you have entitled yourself to my money. I want it understood, for me this is not only $209.30, this is a cause. I will not go away until I am satisfied I have not been victimized.
Sincere Regards,
Brian G.
Attachments(3)
CitiMortgage, Inc.
MC1010
5280 Corporate Drive
Frederick, MD 21703
October 5th, 2005 at 11:41 am
Keith Brown adds this Comment:
To all who are having grave problems with CitiMortgage: I feel your pain, and good luck!
They are holding way too much in my escrow account and won’t respond to my letters asking for a refund. Also, I have within the 80% loan-to-value required to cancel my private mortgage insurance, which is $78/month, and have NEVER been late on a payment, but they won’t cancel it.
Calling is futile. FYI - their call center is in India, and based on my experience the representatives are unknowledgeable about mortgage and credit terminology (a couple months ago a CitiMortgage rep said to me on the phone: “I don’t know what you’re talking about this credit report”.
October 26th, 2005 at 6:33 pm
JB adds this Comment:
Did anyone find the CEO’s name for Citimortgage? They have threatended foreclosure, and will not return our calls. Thanks.
December 4th, 2005 at 7:41 pm
I. Uhlhorn adds this Comment:
My mortgage was bought by Citi and they are a disaster. You sit and sit on hold, and when someone finally answers, you feel like you are bothering them. They will not sign my insurance reimbursement check because they claim they don’t have suffiecient documentation. If I ever get my money from them, I will look into refinancing with a company who will treat me with courtesy.
December 9th, 2005 at 7:42 am
EL adds this Comment:
My mortgage was recently bought (three months ago) by CitiMortgage, and low and behold they can’t find my first payment!!
Untimely mailings by Citi are to blame…see they sent me a letter telling me that my loan had been sold after the first payment had already been sent to the previous loan holder. Three months later and they can still not find the first payment. They have done little or nothing to remedy the problem, even though I have spoke to the previous loan holder and got the tracking number, date, and person’s name that signed for the check……and that was over a month ago.
If they tell you don’t worry, it will be resolved within ten to twelve days dont believe them!! They told me I would not be sent to collections and the Credit Bureau would not be notified, not to mention I would not be hit with any late charges, none of which are true. I was sent to collections. I did get hit with late payments, and the Credit Bureau was notified.
If you can believe this, the Collections Department cannot see the notes entered by the Customer Service Department…so if they tell you that the Collections Department has been notified of the situation and you will not receive calls from them…dont believe them. The Collections Department cannot even see the notes entered. One does not even know what the other one is doing.
In closing; I have never had a late payment, non-payment….ever. Thanks to Citimortgage I now have both….Oh, they told me that the late charges would be removed and they would send a dispute letter to the Credit Bureau telling them to remove the late payment….Does anyone think I should belive them? After all, I was told not to worry about it….they would take care of it.
To anyone doing business with Citimortgage…..good luck….your going to need it!!!!!!!
December 12th, 2005 at 1:29 pm
EL adds this Comment:
I spoke to CitiMortgage Customer Service this morning and there has been positive developments. Nothing has happened with my missing payment, even though I gave them the check number, federal express tracking number, and the person’s name that signed for the check. Oh, and the Customer Service Supervisor I spoke to laughed when I told her about the problems I was having.
Who regulates this business?
December 12th, 2005 at 3:11 pm
ablevins adds this Comment:
My original mortgage company sold my mortgage to Citimortgage and they’ve not posted payments when they received them, charge late fees without payments being late, miscalculated my escrow, tried to foreclose on me twice, ruined my credit. I’ve sent them documentation from my bank showing when they received funds, sent my property valuation from local assessors office with no change on Citimortgage’s end. Please help. This is my first home and it is a nightmare between the builder and the mortgage company I don’t know what to do!!!
December 25th, 2005 at 10:13 pm
EL adds this Comment:
You need to get on the web and search CitiMortgage Contacts, and write a letter to the Senior Managers listed. I did that, and had my account issues resolved in two days. The Vice President I wrote a letter to was very helpful, and even call the house to make sure I was satisfied with the outcome. I think Citi needs to train their Customer Service Reps better……Good Luck
December 29th, 2005 at 9:30 am
kim adds this Comment:
I am joining the club. My husband and I started making phone payments in September. The payment would post and 7 days later they they stated the payment was returned? The money came out of my checking account and it was credited to my morgage but when they stated they returned the payment… the money did not come back to my account. they sent to their research department and as of today.. the payment is still lost in citibank never never land. We sent another payment in to cover the lost payment. Great news… It happened again this month.. December. Payment was posted and by the 7th they stated they sent the money back?????????? Who ever heard of that. Well, Made another payment tonight and my second lost payment is in research department. I have spent close to 20 hours talking to 20 different people at citibank. Put on hold to look up my account and put back into the loop. Another CR picks up (in a different city) and I have to explain the whole senerio all over again. 2 payments lost. late fees… etc. Never had a problem and never missed a payment in my life.. ( okay, maybe when I was in my early twenties) but this is just a joke.
December 29th, 2005 at 9:35 pm
RUDY adds this Comment:
I talked to a Citi branch and they gave me the address to complain to the main headquarters it is,
PO BOX 9442.DEPT.0251
Gaithersburg, MD.20898-9442.
I am sending a letter to them,and to the Banking commission, the Better Business Bureau and the Attorney Generals Office in Maryland, it might help. Something has to be done.
December 31st, 2005 at 12:43 pm
sue adds this Comment:
I AGREE–WE NEED TO STOP THEM IN THERE TRACKS:CONTACT AS MANY PEOPLE THAT WE CAN: THIS IS WRONG AND WE NEED TO GO HIGHER UP:IN THE COMAPANY AND STATE:THEY NEED TO BE INVESTIGATED.
January 17th, 2006 at 9:07 pm
John adds this Comment:
My mortgaga was bought out by Citi Mortgage early in 2005 from Hibernia. I had no problems with them until the month after Hurricane Katrina. They stopped the auto payment plan on their own because I live in the area affected by the hurricane. I called when I noticed that the payments weren’t being taken out of my checking account and they told me about the reason and I told them that even though I live in the area, I wasn’t affected at all and would like them to continue with the auto withdrawls. They told me they could not do it at that time. During that same conversation with them, I paid over the phone the balance of overdue payments. I also asked them what would happen when they decided to start the auto withdrawls after the 3 month period. Would it all come out at once or would they just continue with normal payments and extend my payments 3 more months. they did not have an answer. While looking for my interest for 2005 for tax purposes, I opened the envelop from them to see that my mortgage was behind 3 months. I know I was trusting by not looking at the statement every month, but when they tell you they will continue with the auto withdrawls from your checking accout after the 3 month period, you would think that they would need the money enough to take it out when it is owed to them. Maybe I am a little naive and they are trying to get me into a position for them to easily take my house. This is Saturday night and I found out today. Come Monday, I will find out for sure what is going on from Citi and get it straight or I will know for sure what is going on from another bank when I refinance ASAP. Thanks for having this forum for me to see that this is not an isolated incident.
January 28th, 2006 at 9:48 pm
Jackie H. adds this Comment:
I had no idea Citi Mortgage was this bad. My fiance and I were recently “sold” to them. I as well have had issues with our esrow. Not enough…excuse me???? We changed home insurance companies and they decided to pay BOTH companies instead of just the new one. “Our mistake”. What do you mean we didnt notify you??? (what they really mean is the idiot who took our call made a mistake). Great customer service!! I work in a call center, I expect to speak to an expert!! Not some twerp who slept thru training. Not to mention that their website is always “unavailable” to access my account. If I ever have any problems I am forced to call!!!
February 15th, 2006 at 9:37 am
Jackie H. adds this Comment:
On top of all these other issues we have had they have yet to send our tax documents. I’m scared to death to call in and ask why they havent. Arent they required to send them by the end of January? Who do I contact to report this??
February 15th, 2006 at 9:51 am
MJ adds this Comment:
Please allow me to inform you “in my opinion” why people have problems with Citi & other mortgage companies.
1. they dont read the documents they have signed and usually refer to them as “those papers” well….Too bad, you signed them, you agreed to them, if you didnt like them you should have had it changed at closing
2. most people want an answer NOW NOW NOW. and really dont care that they are talking to a HUMAN on the other side of the phone that is probally working for a paycheck to feed their family just like you…..tell me this do YOU know every small aspect of your entire company you work for…i doubt. maybe if you would back off like i learned to do, rather than yelling and saying you are gona sue them(odds are you wont win anyways but please try)..the mortgage company would be more friendly meaning they work on your request a little harder and get it done quicker.
3. these people that are mad about the outsourcing to india…i understand that, dont care for it myself, but they are a business, if you can buy an american made automobile for $30,000 or basically the same thing made in China for $24,000….i bet over 90% would buy the one from China, so if you have ANY imported materials (car, TV, radio, anything) back off they are just saving money like any smart business/consumer would.
bottom line in my experiance working with people about their mortgages…..their attitude reflects the way they are treated, their actions and choices relect the way they are treated, and 99% of the time if “the company” does make a mistake, they fix it…as long as you are willing to !!!! PROVE AND SUPPORT !!!! your opinion that they made the mistake, because that HUMAN you are yelling at, starts their shift at 9….goes home at 5…..and do you think when they walk in the door the next day they want to call the person who was understanding that it takes time and they have procedures to follow telling them what steps to take, or the person that spent 20 mins. insulting them because they are tring to make a paycheck to put food on the table…..ohh and if you wonder where my EXP comes from I help people with “money problems”…so I work with citi and other companies on a daily basis over multiple matters…..before you start complaining about what these companies have done to you…be honest and tell me that YOU have ALWAYS made your payment ON the due date….not the grace period, but ON THE ACTUAL DUE DATE you agreed to…if you have ALWAYS done this small thing…fine lets hear your complaints.
April 12th, 2006 at 12:50 am
Alex adds this Comment:
I invite you to re-read my original posts as well as many of the comments here. By your remarks, it’s clear you have not done so.
April 12th, 2006 at 8:39 am
MJ adds this Comment:
I have read them, I was simply giving my insite and opinion to some of the comments. As far as your original post, I agree with most everything you say…after all it is your experiance, not mine you were talking about. And you are correct that Citi uses a 3rd party to set up their bi-weekly advantage plan, so it will cost around 250-400 for set up fee and some bi-weekly plans even charge 1-5 dollars for a draft fee every 14 days…my suggestion is to take your regular payment amount (Principal & Intrest Only, no escrow) divide that by 12 and add that sum to your monthly payment. (some…not all, but some mortgage companies, like citi mortgage charge intrest on a monthly basis untill you are sending in the Payoff, then a per diem is used.) Therefor you will recieve the same benefit doing it my way as using a biweekly plan but no fees, and can usually cut a couple 10’s of thousands off the mortage payment……(never a bad idea if you ask me). If you are still having any problems with this company remember…its numbers and a computer, just because the person you happen to be talking to says THEY cant do something….somebody can !! Ask for a Supervisor…you will then be talking to someone with a bit more tools to use, if you are not happy with their answers, insist that the supervisors boss gives you a call (most the time the “first supervisor” wont connect you directly so be ready to get a call back) and make it easy for them… “this is what i want, are you able to do it ?” if the answer is no then ask to talk with THEIR boss…and keep this up till you end up with whats usually called “A Preidential Unit or Team” now…if THEY say “no”….then either accept it, or get a lawyer, cuz that is as far as you will get outside a court. Hope i could be of some help.
April 13th, 2006 at 12:19 am
Don B adds this Comment:
I have come to the same junction as everyone here; I have just received papers from a law office to begin foreclosure on my house. This all started in Sept. 2004 when I applied for the bi-weekly flex plan. My wife was going to have major surgery and we were going to be tight with our funds so I opted to set up the flex so my payments would be taken care of through my bank. I assumed everything was going well since I hadn’t received any more bill statements; five months later I get a call from citimortgage asking for back payments and I asked about the paperwork I filled out for the bi-weekly flex plan and I was told that they never processed any request; from that point I went to the Veterans Administration, but got no help there; and trying to talk to citimortgage is a bust. From what I have noticed it seems that citimortgage buys up all these mortgages from other companies just so they can foreclose on the property on down the line because they will not help you to refinance or help you to repay any late payments, and I would like to know who is profitting from all of this?
May 4th, 2006 at 3:41 pm
SCOTT adds this Comment:
Mr.Sanford I. Weill
Chairman and CEO
Citigroup, inc.
399 Park Ave.
New York, NY 10043
Mr. Robert B. Willunstad
CEO consumer group
300 St. Paul Place
Baltimore, MD 21202
GOOD LUCK CONTACTING THESE GUYS.
May 5th, 2006 at 8:45 am
Michael adds this Comment:
Like many of you, I had problems with Citmortgage. What I learned is that the problems are with the off-shore company in India - if you can get to a person in the US, they will iron things out.
Twice I had major problems (which I won’t detail here) and was stonewalled in India. After some research, I was able to dig up a direct line to Citi Mortgage in the US. Those of you having problems, I strongly recommend that you call this number:
301-696-4000
That is also where the “research department” lives. When you call in, hit 0 for the operator. If you ask for the research department, she will kindly inform you that they do not take phone calls and will transfer you to customer service US of A where I found the people to be exceedingly helpful and accommodating.
June 1st, 2006 at 9:35 am
JJ adds this Comment:
Early in 2000 my wife and I used CitMortgage to purchase a home that turned out to be a nightmare. To make a long story bearable we moved and for two years bounced back and forth between renting the home out and trying the home market to no avail or bad renters. About a year ago my attorney buddy helped initiate the process of a Deed-in-Lieu as we had been unable to sell and had two mortgages. CitiMortgage was helpfull and willing to work with us and as far as we knew it was taken care of. Within the last five days I have received two phone calls and three letters about my forclosure. Wow! I hadn’t heard from them in almost a year then within one week my home is in foreclosure. My attorney buddy has spent a handfull of hours getting the run around and conflicting information as to what has happened and every time I call I get transferred to someone who knows even less than anyone I had previously talked to about my problem. A sneaky bunch aren’t they?
June 8th, 2006 at 6:22 pm
Rudy Sems adds this Comment:
I paid off my son’s mortgage with Citimortgage Inc, on April 17, 2006. I electronically paid $25,181.49 to Citimortgage Inc.
A month later my son received late payment notices and was charged a penalty. They claimed that they did not recieve the funds. An obvious lie.
All efforts to locate the above mentioned funds were futile and nobody knew what happened to the money.
Only after I threatened to file a complaint with OTS did the funds get re-deposited into my account on June 5, 2006. Tracking records show that it was at Citimortgage, in their Newcastle office for fifty days.
Case number 41260-22-MAY.
Citimortgage Inc, refuses to discuss the situation with me. Therefore I am making this statement public and have also filed a formal complaint with the OFFICE OF THRIFT SUPERVISION, (OTS). 1-800-842-6929. That is the Federal agency which regulates Citimortgage. Their website is
http://www.ots.treas[...]&edit=1.
I heard someone suggets CLASS ACTION SUIT. It might be time for that?
June 9th, 2006 at 9:35 am
DAMARI adds this Comment:
Carmel doesn’t want to have a McDonalds or other such franchises but they allow a corporation in which treats ethical employees with wrongfully termination while out of work with a doctors note and they lie to their clients in Carmel about why I am not their anymore. WHY??? Why don’t they just tell them that they fired me while I was at home ill? I don’t have a problem with telling them the truth why do they?
WHY DOES CITIBANK IN CARMEL LIE TO THEIR CLIENTS ABOUT WHY I AM NO LONGER AT THE BANK? ARE THEY ASHAMED OF WHAT THEY DID TO ME? THEY KNOW VERY WELL THAT I DID NOT LEAVE TO WORK WITH MY HUSBAND THEY FIRED ME VIA UPS AND I AM ON DISABILITY DUE TO THEIR TREATMENT, THREATS AND HARASSMENT
Why hasn’t Citibank responded to the Dept. of Thrift Supervision and what else will they lie about to the Dept. of Fair Employment & Housing ?
Citibank Ethics?! Please post & forward my story I need your help, please help us get this story out, please forward to everyone you know. Why do the employees at branch 915 in Carmel, Ca., tell their clients that I left the bank to go work for my husband, instead of telling them the truth which is that I was fired on 12/13/05 via UPS & their HR- Connect One system has me as an active employee out on disability and now I am an active employee on leave of absence with pay. So, am I fired or on leave of absence??? If I am on leave of absence then why don’t they say that instead of lying to the clients and telling them that I left to work for my husband. I don’t work for my husband, I am not allow to work , I am ill thanks to Jeff Ursino and Citibank treatment. Why won’t they tell the truth to the clients and what else are they lying about? Are they ashamed of what they have done? Perhaps I should take out an AD in the local paper and tell the community the truth myself? Why do these employees tell clients that they aren’t allow to talk about why I am not at the bank, but yet when they do talk about it they lie!!
On 5/31/06
Sharon Law Tucker sent me her new business card and asked me to call her because she had miss placed my phone number during the phone call she mentioned that it was Laura Richardson which told her a few months ago that I left to work for my husband, is there anyone at the Carmel branch that can tell the truth???
The letter I’ve include with this email is from a concern client of Citibank
My question is will the teller be fired and if not why not? This teller left out about $10,000.00 in the unlocked front drawer 2 different times with in a two week period and had two shortages in one year, one for $100.00 and the other for $450.00.
Where the cash drawer is concern two employees signed the vault book stating they witness her put the cash away, obviously not true.
One of these two employees had the bank pay for her daughters overdrafts and the manage was aware, against company policy.
This teller entered false referrals into the systems to make the banks numbers look better and this was done under the supervision and direction of the supervisor, when I brought this up to the manager none of the three tellers which input false referrals were written up, falsifying bank documents and no write up but I get written up for missing a Saturday, why? Unfair and unequal treatment by the manager. Where are the ethics?
As I’ve stated, the unethical employees still have jobs and I get fired after the manager receives my email on 12/13/05 at about 1:45 p.m., and he acknowledges receiving it, it clearing answers his question/comment that he was calling to see if I was coming. The email states that my doctor had called in and spoke to Kathleen: as well as faxing in my doctors note which the manager returned to me with my termination letter received two days after I had been fried with no check, with no break down explanation, no vacation pay, misleading information and so on, note clearly stating my disability time off. Did he read the doctors note? Did he let upper management know that my doctor had call and faxed information?
The manager called I returned his call but he was with a client.
I requested to communicate via email and I emailed him, Kathleen and Human Resource, so why was I fired sometime after he received my email and the end of the day if he was just calling to see if I was coming in and if not to contact HR? Unfair and unequal treatment.
It makes no sense. Why weren’t the labor codes followed? Did he get HR permission to fire me?
Why then wasn’t my check included with my letter of termination? Aren’t I to be fired at the location which I work? Were my rights violated when he had Kevin send me my termination letter, did he know I was getting fired prior to me receiving my letter?
March 25, 2006 Dear Ms. Deloney,
I would like to take a moment and thank you for responding to my comments regarding Damari and the manager. I am sure that you are a very busy and important person and I appreciate your time. Damari is truly missed at the bank, since her unfair termination by the manger, the atmosphere at the bank is boring to say the least. Damari added life and laughter and she enjoyed serving the customers. I feel deeply, that the manager made a huge mistake in dismissing her while she was ill. What kind of a manager would dismiss an employee while they are ill?
As I say this, I now have further concerns about another teller name Andrea. I was in the bank and was told that she has injured her knee and will be out of work for about six weeks. I’m sure that Andrea has a doctors note as Damari did, I hope that the manager doesn’t make the same mistake and decides to terminate her and mail her a letter before she returns as he did Damari when he terminated her instead of waiting for her to get well and return to work. Although I would understand if he were let her go as she spends most of her time at work doing her homework , reading and she isn’t available everyday. Andrea will move on, on her own to become a teacher, this is what she goes to school for two days a week. By her going to school, I feel this puts a strain on the staff. I understand that the rest of the tellers along with Kathleen are now having to work six days a week and Kathleen is running a window: she doesn’t have the charm or customer service skills which Damari offered the bank.
We go into the bank often and we rarely see that manager. I feel that it would be in the best interest of the bank to find a permanent manager as soon as possible, one whom appreciates competent employees as Damari. Frankly, I don’t understand how a temporary manager was given the authority to dismiss an employee such as Damari with her wonderful skills , talents and dedication to her job. Therefore my concerns are now for Andrea whom doesn‘t compare with the kind of service Damari offered your customers. As I stated before, the other tellers spend too much time speaking to customers about personal things and shopping on the computer instead of banking conversations. I frequently witness them reading and eating while at their windows: this is very unprofessional.
I feel it would be in the best interest to Citibank to launch a complete investigation on the manager, as you stated would be done and seriously consider removing him from Carmel. In my opinion since he arrived the atmosphere is tense and if I can sense it I am sure that other customers do. This manager has taken all the personal touch and charm out of the bank and I feel the employees fear for their jobs: no one should have to work under those conditions. Keeping this manager at this or any branch is sure to destroy you business. Again, thank you for your letter and taking the time to look into this situation.
Sincerely, Clifford Bagwell
In a letter dated 01/06/06,Citibank states, Pursuant to Section 1089 of the Ca. Unemployment insurance Code, regarding notification of changes in employment status, please be advised that your employment was terminated on 12/13/5 for failure to follow call in procedures
RE Section1089 and other codes which Citibank may have violated
Other codes they may have violated labor code section 208, 226, 226.3,201.25,2441, 2800,2802,2926,2927,6400,3602(6),3852,2922,civil code 47(c)
I was fired on 12/13/05,it states that each employer shall notify the employee immediately, yet I didn’t find out until 12/15 as I received my notice of termination via UPS on12/15
When I was fired I was not supplied with “copies of printed statements or materials relating to claims for benefits by Citibank.
Citibank claims that I didn’t follow the call-in procedure yet my doctor called on 12/12 & faxed in a notice which stated that I would be out from the 12th-16th.
Jeff claims that he called me to see if I was coming in on 12/13 at 10:25am,almost 2hrs after my shift started, he states that if I wasn’t coming in that he wanted me to contact HR to inform them of my extended absence. How does one go from calling to see if I’m coming in & ask me to call HR to Jeff stating & deciding that I should be fired yet in my email to him at 1:45pm on 12/13 it states that the doctor had spoken to Kathleen & faxed in my doctors note which he returns to me w/letter of termination.
How does he justify terminating me? I was out on work related stress and my blood pressure, my doctor called for me to keep my stress & blood pressure down, as far as not calling in I had my doctor call: the call was made for me to protect my health. Why wasn’t it stated in my termination letter that I failed to follow the call in procedure. Why does Citibank state to the DFEH that I called in on 11/15 & said that I would be out the rest of the week yet I worked on the that day & the supervisor approved my timecard on 11/22. What else are they not being honest about?
Why are the employees which falsify bank documents & break policy still have jobs?
Reply to Damari Stratford 1291 Ord Grove Ave, Seaside 93955 831-583-9077
CITIBANK IS NOT BEING HONEST WITH DFEH THIS IS A LETTER I SENT MY GOVERNOR
Dear Governor, First Lady and Staff,
I have been awake since 1:05 a.m. I was having a difficult time sleeping again due to my conversation with Ann Lueckeman from the DFEH. Ann and I spoke on 3/08/06, Citibank apparently faxed in their reply on 3/07/06. Ann read to me some of the statements that Citibank made on their reply Citibank states: that I called in on 11/15/05 and that I stated that I would be out the rest of the week, this is a lie!!! I happen to have my time card for the week ending 11/19/05 and it clearly shows that I worked the 15th, I was off the 16th and I worked the 17th and that I was out sick on the 18th and 19th and that the manager approved my time. Citibank states that I refused to work on Saturdays but they don’t mention that I, unlike them, was willing to meet them half way. Citibank is not telling the truth. To further support that I was at work on the 15th and 17th I have my journal notes with specific times of things that occurred on those two days. How does an honest and ethical person fight against unethical people who lie? How can I protect myself if I can’t afford an attorney and I can’t find one to work on a contingency basis? The other night, on TV, my husband and I heard that the government spends 4 million to train wasp and I can’t get help from The White House or our Senators or Congress, to defend myself against a corporation which is taking advantage and lying about this situation? The only one that has offered to help is the Governors office and although I appreciate the letter and the call from the Governors office this does not get me an attorney. I have diligently search for assistance to no avail. I am now begging for help, I can’t continue to loose sleep and live on anxiety medication; this situation is wearing on me. Again, please, is there anything more that you or our government can do to help my family and I, for this wrongful termination? Why is Citibank lying? I feel like I am going to have another panic attack and I had to resign to taking medication to calm down. This is totally and completely unfair, unjust, wrong and no one should have to go through what Citibank has put my family and I through. I only wonder how many other wrongful termination’s Citibank has gotten away with because people are afraid to go up against them or just don’t have the money to fight and protect them selves? My husband and daughter are worried about me and so am I.
PLEASE HELP US. I don’t know what else to do and I don’t want to give up. Sincerely. Damari
AS OF 4/21/06 SENT TO THE GOVERNOR
I SPOKE WITH THE EMPLOYEE RELATIONS DIRECTOR OF CITIGROUP TODAY, IT WAS ADMITTED THAT THERE WAS SOME WRONG INFORMATION GIVEN TO THE DFEH REGARDING THE 17th OF NOVEMBER, 2005. CITIBANK WILL BE SENDING IN A “NEW’ RESPONSE DUE TO NOT DOING THE INVESTIGATION THOROUGHLY THE FIRST TIME. SO WHAT ELSE ARE THEY NOT DOING THOROUGHLY OR ETHICALLY? DAMARI
I HAVEN’T HEARD FROM YOUR OFFICE AS I WAS TOLD I WOULD BE CONTACTED PLEASE FOLLOW UP WITH ME, THANK YOU
A BETTER EXPLANATION Mother fired by Citibank for no good reason
I am searching for an Employment Attorney willing to work on a contingency basis. I was fired while I was out sick, the managers states in a note added to my personnel file that he had called me to see if I would be coming into work on Dec. 13th but yet with my letter of termination he returned to me the faxed in doctors note, faxed in at 3:44p.m. on 12/12/05 by my doctor, which clearly stated that I would be out from 12/12-12/16/05. He sent me my letter of termination thru UPS, which arrive on 12/15/05. The manager knew that I was out on work related stress and I had a workers comp case pending. The manager states that I was fired for not complying with my warning and I asked how I could comply if I wasn’t there to comply so then I get a letter from HR stating that I was fired for failure to follow the call in process but my doctor had called in for me on the 12th due to my stress level and blood pressure. The doctor had spoken to the supervisor on the 12th so they were aware that I wouldn’t be in on the 13th and my doctor has the notes on my file that she had made a call in for me. Citibank did not follow their own procedures when they fired me. The EEOC has given me the right to sue and the letter arrived on 2/17/06 so my 90 days have started. The DFEH has also launched their own investigation which Citibank received notice on 1/23/06 and should be responding to the notice any day now, (as of 3/8/06they haven’t responded). I had an outstanding performance history with the bank; I had worked there for 4 years 2 months 6 days. I was the head teller one of the notary and the only Spanish-speaking teller. I have at least 40 letters of support from Citibank clients and I can prove that the manager was not equal with all the employees and although he was aware of the teller cooking the books under the direction of the supervisor none of them were put on corrective action yet I was written up for missing my first Saturday and then again when I missed my 2nd Saturday although I had a doctors note to be out of work due to my blood pressure and stress brought on by the manage and the unfairness in treatment. I had been threaten with job abandonment but at that time I hadn’t missed any work long enough to be accused for this. Citibank violated code 132A of the worker comp law and I do have an attorney for that but they are unable to deal with all the other issues. I have a strong feeling that the manager never told HR that my doctor had called in for me nor did he share my doctors note with them, he is to get approval from HR before firing me yet fired me by 4:30 pm or so, I had also emailed him that day at 1:45 pm and explained that my doctor had spoken to the supervisor and faxed in a note, again he was aware that I wouldn’t be in. The manager had called my cell phone and left a message at about 10:25 am, he states that he called because I hadn’t called in a half an hour prior to my shift, which started at 8:30 a.m., why did it take him 2 hrs before calling me? And I would bet that the supervisor had made arrangements to have a teller there to cover my shift since my doctor called her. Please help my family and I. Sincerely, Damari
Home 831-583-9077 all calls to this number are screen please leave a message, Cell phone 831-236-0112 Again please help us
Sheri, (4/22/06)
The reason the conversation came to an abrupt ending is due to my frustration with this issue, yes I was upset and angry and my stomach was turning and my chest tightening, I had it get off the phone and calm down and I took some Xanax to calm the anxiety attack which I felt coming on.
As I explained on the phone, I have lost 25 pounds since Jeff Ursino first threaten me with job abandonment, I don’t sleep well, I grind my teeth , I have gone to the emergency room for chest pains and a heart doctor and so much more. I have nightmares. From my house I see Highway 1, a constant reminded of the unjust done to me.
I have seen about 10 different doctors and I have been given about ten different medications, I have been seeing a therapist every Friday since Nov. 2005 and I have only missed 2 appointments with him.
My job was very important to my family and I, I have cashed in my IRA and 401k, my pension is on the way, I have sold some stocks at a lost to insure I have funds and all this because I was fired and I don’t know how long I will be ill and I have bills. I have spent hours doing paper work for things such as unemployment, disability, activating credit protection dealing with connect one, Met Life. health insurance and more. I don’t know how my benefits are being paid, I am not being directly billed and no one sends me the information I requested. I have lost my employee rate on my credit card and I still have to make payments to one of them.
Can you imagine arriving home and seeing a UPS envelope addressed to me from Kevin Squires only to open it and find a letter from Jeff terminating me. Every time I see a UPS truck I feel I will be getting more bad news from Citibank. I did call him, he was with a client, I called his cell phone, he didn’t answer, I emailed him, he received it and didn’t respond but instead fired me, he lies, he returns my doctors note which stated the time I would be off, they lie to the DFEH, why wasn’t the research done thoroughly in the first place, why were both of my write ups sloppy with incorrect dates and information? I wasn’t fired for my performance, Jeff just wanted to hurt me more and this was his way.
I was told that the center didn’t have enough employees for some one to have Saturdays off but even though the center is short staff he fires me and allows Andrea to be out every Tuesday and Thursday but yet we were short staffed. I can’t believe that all of this has happened to me for being ill and yet other employees did things that were more of a risk to the center than being out ill.
I am sorry for raising my voice at you, I hope you understand it isn’t directed at you, it is about the situation which Jeff created. I can’t deal with more paper work and I don’t trust anything Jeff or Kathleen say, they are unethical and will say anything to make themselves look good. At this point I will not be reading the attached Arbitration policy which you attached to this email, I can’t deal with more paper work, I will research other avenues and continue to tell my story since I can’t sleep.
Met Life denied my long term disability but yet didn’t talk to any of my doctors and I need to deal with that and other issues. Thank you for you time, Sincerely, Damari
SENT TO SHERI PAULO 5/01/06 Hello Sheri,
I received your phone call and all I want to know is what is it that we need to speak about?
I don’t understand what we have to say to each other. I feel that you and Citigroup will stand behind Jeff Ursino no matter what really happened. Jeff states that he called to see if I was coming in 2 hours after my shift was to begin and if not to call HR. I did call him and emailed him but he ignored that and fired me. He returned my note which stated that I would be out and yet called to see if I was coming in, did he not read the note he returned with my letter of termination and did not Kathleen let him know that my doctor called in at least I did something about it and my doctor and I were just protecting my health. Why did they lie? You said that they got bad information and now will submit a new response to the DFEH why not check your facts first before submitting information to the DFEH? why, because Jeff Ursino couldn’t tell the truth.
Hope to hear form you soon. Sincerely, Damari God bless us all
AS OF 5/3/06 ==CONNECT ONE OF CITIBANK STATES THE I AM ON LEAVE OF ABSENCES WITH PAY AND THAT I HAVE 163 HRS OF VACATION TIME 80HRS OF HOLIDAY PAY AND 96HRS OF SICK TIME YET I HAVE LETTERS WHICH STATES I WAS FIRED ON 12/13/05
05/06/06 ==IS THIS APPROPRIATE? SEARCHING FOR A CHAIR ON CITIGROUP TIME, I BET HE DOESN’T GET FIRED!AND ALL THE OTHER ONES DOING PERSONAL SEARCHES ON CITIGROUP TIME, I BET THEY DIDN’T GET WRITTEN UP OR HARRASSED AS I DID FOR BEING ILL AND WANTING TO PUT MY DAUGHTER FIRST!!!
ronald.a.walter@citigroup.com I am interested in buying a good condition mid-nineteenth century Shaker rocking chair. Ron Walter office - 212-559-4393 home - 212-752-8453 fax- 212-793-3402
On 8/27/2003, X Sananda Maitreya FAN wrote:
I want the old….not the new. The hard vibrator with batteries. Not the soft, supple dildo. What the hell did you smoke, drink, eat or whatever to make your career drop like cow excrament. Your ego get to be so big that it couldn’t fit on stage with your band? Yeah you’re music is (slash that) WAS cool but you should’ve kept your mouth shut on your opinion of being a God. We’re all Gods….and you’re no more special than anyone else. I don’t know a soul in the US under 25 that even knows who you are. What the hell happened to you? The name change and all that crap…. I was your biggest fan. Now I think you’re an egotistical idiot shannah.l.olsen@citigroup.com
Zachary Green :: zachary.green@citigroup.com :: 12/5/2005, 6:51 PM
I somehow found my way onto this website, I don’t remember how, but I have been really impressed with how well you guys are doing. I used to work in television sports in San Francisco, and I wish I had this sort of early training when I was younger. Great luck and keep up the strong work.
I am looking for a friend Robert Norton-Edwards who went to the University of Cape Town with me and who was a DJ at the varsity radio. He emigrated to the UK, got married to Vanessa Edwards and worked at Volt Delta Europe. I lost touch with him about 7 years ago and want to re-establish contact so if anyone has an email address or work details or telephone number I would be very grateful! My email address is paula.vantonder@citigroup.com
Dragon Boat Rowing Our dragon boat rowing team practises on Sundays 4-6pm at Kallang Sea Sports Club. All ICAAS members are welcome. Please contact our co-captains Matthew Lim (matthew.lim@citigroup.com) or Chan Tze Hoe (tzehoe_chan@hotmail.com).
Oxbridge Challenge Cup, 26-27 March 2005; SAVA SPRINTS International, 9 Oct 2005
We purchased several limited editions at PWG auctions in the late 1970-s - early 1980’s (in Cleveland, OH & Philadelphia, PA). Is it possible that you have records of these purchases and, if so, might we have the ability to get duplicate certificates of authenticity?
Lou Buccino Tampa, FL - Tuesday, September 30, 2003 at 12:43:47 (CDT) Name - Rich Warner Email - richard.warner@citigroup.com
Date — Thursday, 16 June 2005, at 8:25 a.m. From - Brooklyn Will never forget Echo 1973. The experiences and memories came right back to life when I found the site while looking for a counselor position for my daughter. I remember a bat that was trapped in our bunk and Chuck would laugh that we had bats in the belfry. Bonnie Newman, Susie Trachtenberg, Bambi and Diane Wilk- Where are you guys? I had a Dodge Charger that summer that we rode over to Monticello Raceway for the summer concerts (Jay and the Americans, Four Seasons) I found a softball at home that was signed by all the counselors in August, 1973 on the last day of camp! Here are some of the names of my old friends from that wonderful summer: Chris Mitterdorfer, Tim Marx, Mike Bleiberg, Jeff Luxenberg, Paul Achitoff, Mike Tex Stevens, Nathan Hale, Rochelle Morra,, Julie K, Wayne Weinryb, Mike Alaloff, Jon Hauser, Tom Leopold, Susie Trachtenberg, Diane Wilk, Bonnie Newman, Bambi - BJ, Mike Salemi, Richie Eder, and Mark Paschter. If any of you guys are out there, drop me a line.
Regarding your question about Kew Gardens: I have a 1 bedroom in Hampton Court (Metropolitan & Park Lane S) for $179,900 (negotiable) in Kew Gardens. See my add below. Contact me at Cindy.Hecht@citigroup.com if interested in seeing it! Thanks
Jeff Hack W’87 and his wife, Amanda, recently welcomed their first child, Andrew Lee, on Jan. 8. Jeff was recently named chief financial officer of Citigroup’s Smith Barney unit, while continuing as chief operating officer of Smith Barney’s global private-client division.
Posted 4-15-05Steve Bowers, 1977 - 1978steven.p.bowers@citigroup.com
I was stationed aboard the USS Truxtun CGN-35 from 1977 to 1978. We went to Subic Bay twice that I remember. The last time was in July of 78. I rotated off the Truxtun while it was in Subic. I was a RM3.
Date: 06-Nov-2002 REQUEST #1407Name: MichaelE-mail: michael.c.eterno@citigroup.com
Subject: Anthony Badalamenti Comments: Hi, My cousin’s father was a medic in the army and that he landed in Sicily. That’s all he knows about his father, as the father didn’t talk about it much.
The medic’s name is Anthony Badalamenti. Do you have records of the medic in the 3rd infantry?
I only found three infantries that landed on Sicily 3rd, 1st, and the 45th. The 45th said they have no record of Anthony Badalamenti. Thanks Michael
May 09, 2002 BILL MCDONNELLWILLIAM.R.MCDONNELL@CITICORP.COM>
I AM LOOKING FOR MARGARET LOWE SHE LIVED IN BAY SHORE,N.Y. GRADUATED 1964 I THINK SHE LIVES IN YAHPANK,NY
Name: Allison St. Pierre Email:allison.k.stpierre@citigroup.com
IP Address: 199.67.140.75 ()Location: Rocky Hill, CT USA
Date: Friday, April 25, 2003 at 13:01:11Comments:
Just finished Last Dance, Last Chance. You have to pity a man for his inability to see how stupid he really was, you have to pity a mother for not being able to say “I’m Sorry” to a woman who deserves to be apologized to, and you really must applaud a woman whos love of her children, strenght in her friendships, and commitment to health helped her overcome the greatest challenge she will ever have to face. I honor Debbie Pignataro. You go girl. To Ms. Rule: Excellent job on the writing. This is my first book that I have read of yours, and I’m hooked. Now I have to find volumes 1-7. Sign me…a new and forever fan. Allison St. Pierre
You can reach Damari at dcsbears@aol.com
Why was there “false/wrong information given? What does Citibank expect will happen when the doctors finally release me from disability? Does Citibank plan on giving me my job back? I was offered Cobra and then given my insurance back, why? Why did Citibank wait to the last day to respond to the DFEH and then fax in there reply with false information, they had 45 days or so to get their facts right so who gave them the false information and why? Why didn’t they check their facts first?
I was fired then the status was changed to active employee out on short term disability the on leave of absence? Why was my 401k sent to me? If I am an active employee why was the rate changed on my employee credit card? Why did HR tell connect One that they had made an error yet I have a letter of termination and one letter that was sent over night to make sure that I did not return to work on 2/01/06? Why did the bank not follow their own firing procedure? If I was fired why do I have all that vacation, sick leave and holiday time. Why was I sent a check for my vacation time and then they rolled over the time to the 2006 year? Why can’t I get an answer to my question regarding who is paying for my medical, dental, vision? Why is Met Life now billing me for premiums for the Life insurance policy which I carry for my husband and also mine?
I WAS AT COSTCO (5/17/06) WITH MY NEIGHBOR AND RAN INTO RICHARD WHITE HE MENTIONED THAT HE HAD GONE INTO THE BANK AND MISSED SEEING ME THERE, WHEN HE ASKED WHERE I WAS THEY TOLD HIM I HAD LEFT CITIBANK TO WORK WITH MY HUSBAND, YET AGAIN ANOTHER LIE FROM THE UNETHICAL EMPLOYEES AT CITIBANK , WHAT AND HOW DO YOU FIGHT AGAINST LIARS? I DO NOT WORK FOR MY HUSBAND, I WAS FIRED AND I AM OUT ON DISABILITY
5/19/06 My daughter and I were at Ross to day and we ran into another Citibank clients, we said hello and he said that he had gone into pay his credit card bill and when he asked about me he was told that I had left to work for my husband, yet again another lie from Citibank in Carmel. I gave him my address and asked him to put this in writing and mail it to me, he said he would get the letter out to me on Saturday
Extra! Extra! Read all about it!
DAMARI AND CITIBANK
HERE IS THE TRUTH!!
To set the record straight!
Damari was fired by Citibank in Carmel!
Damari did not leave the bank to go work for her husband!!!!
DAMARI HAD NO PLANS TO LEAVE CITIBANK!
DAMARI PLANNED ON STAYING FOR ANOTHER 16YRS.
THE BENEFITS WERE VERY IMPORTANT TO HER FAMILY!!
DAMARI WAS FIRED VIA UPS WHILE AT HOME ILL DUE TO WORK RELATED STRESS BROUGHT ON BY THE MANAGER AND THE UNFAIR AND UNEQUAL TREATMENT OF EMPLOYEES
ALONG WITH BEING THREATEN AND HARASSED
BY THE MANAGER FOR JOB ABANDOMENT.
SEVERAL OF
Citibank clients have TOLD HER that they have been told by the staff at the Carmel branch :
THAT SHE LEFT TO GO WORK FOR HER HUSBAND!
THIS IS AN OUTRIGHT LIE!!!!
What else will they lie about?
Are they ashamed of what was done??
WHY DO THEY FEEL THEY NEED TO SAY SHE LEFT TO GO WORK WITH HER HUSBAND INSTEAD OF JUST TELLING THE TRUTH ?
IS THERE ANYONE IN THE CARMEL BRANCH THAT COULD SWEAR TO THIS? NO!
You can reach Damari at dcsbears@aol.com
ENOUGH WITH THE LIES CITIBANK!!!
IF YOU HAVE BEEN TOLD THIS PLEASE SEND HER AN EMAIL
Dear Governor Arnold Schwarzenegger, 01/28/06
My name is Damari Carollo Stratford, my daughter, Leah Carollo, attends Seaside High School and I wanted to personally thank you for visiting the school on Friday, January 27, 2006.
My husband, Jeff Stratford and I have a small plumbing business named JND Plumbing, Inc., we, as a company, we donated money to the volley ball team to purchase 36 warm up uniforms for the girls. My daughter was on the freshman team and I was team mom and proud of it. I never missed a game and I drove to all the away games with team players in my mini van. I made sure they had sandwiches, fruit and water for all the away games and water for all the home games and practices.
On, December 13th, Citibank in Carmel, California wrongfully terminated me. On, Dec. 15th, 2005 I received a letter via UPS telling me that I had been terminated on the 13th. At the time I was terminated I was in the middle of a pending workers comp case which wasn’t denied until Dec. 21st, 2005, this is in violation of code 132A of the workers comp law. Also, I had been out of work since the 6th of December with a doctor’s note, 2 notes that excused me from work from the 6th thru the 16th. I was out due do work related stress and anxiety. My doctor called in for me, upon my request, spoke to Kathleen and faxed in my doctors note on 12/12/05. According to HR, Chrys Smith, I was terminated for ‘ failure to follow call in procedure’ on 12/13/05. My doctors note which had been faxed in on the 12th was returned to me with my letter of termination from Jeff Ursine, acting manager of the branch. The note clearly stated that I would be out from the 12th thru the 16th.
I went and spoke to an attorney in Salinas, California and after about 45 minutes to an hour of listening to what I had to say, they took the case on a contingency basis. Also, I have filed a complaint with the EEOC and they have launched an investigation on my behalf.
I was not allowed an exit interview, which is their policy, nor was I ever asked to turn in my keys, which is also their policy. I was a very good employee and my reviews can prove this, one of them even stated the I
‘ Greatly exceeded expectations’. I was the Head teller, a Notary and the only Spanish-speaking teller. Before some one is terminated they are, per their own policy, to consider the employees performance. I worked the for 4 years 2 months and 6 days.
Please take some time and read the pages I have sent you and also forward it to your friend Oprah because when you and her speak people listen. This situation has caused my family and I emotional and financial burden and I need some help. Corporate America needs to be kinder to their employees and more understanding of their personal needs.
I am currently on disability and the legal system is too slow, I need help now. Due to loosing my job I can no longer offer the athletes at Seaside High School the financial support that I was willing to give them but I will still give my time. We need more parents like me, please help me.
Sincerely,
Damari C. Stratford
1291 Ord Grove Avenue
Seaside, Ca. 93955
Home phone: 831.583.9077
Dear Office of Thrift Supervision.
RE: letter dated 06/05/06
Case # 0505382006
Citibank advised you that Human Resources and Employment Legal Departments have handles this internal matter. How did they handle this matter? They lie to clients about why I am not there. They tell clients that I left to work for my husband, this is a lie. Lisa Austin from Citibank Benefits departments states that when I come back to work they will set up payments for arrears regarding my benefits yet how can I go back to work if they fired me? Citibank states in a letter to a former clients on 3/13/06 that they would like to thank her for the comments on “our former? employee.
Citibank lied to the Department of fair Housing and employment and they are telling lies to clients, what else will they lie about? Citibank never offered me FMLA, violated Labor codes and this is all I get?
I would like details of what was said. If Citibank will lie to the DFEH and clients they will lie to you also.
You say you can’t provide me assistance but Citibank gets away with lies, wrongful termination, etc. I was not fired at work I was fired while at home, ill with a doctors note. How can they get away with ruining my life and lying to clients about it. Their Human resources department has had me listed as terminated, then on short term disability and now on leave of absences, so which is it? Am I suppose to go back to work there when my doctor releases me from disability. If I am an active employee on leave of absences then why did they send me my pension, change me employee rate on my credit card and make me do something with my 401k?
Would you kindly ask them what my status is ?
Sincerely
Damari Stratford
June 11th, 2006 at 8:11 am
Karen Minor adds this Comment:
I - like many others - had my mortgage transferred to Citimortgage from Principal Residential - about 1 1/2 years ago. The very first payment was posted late - some confusion between the old mortgage and the new - and I have had nothing but run around since. I have asked for an actual copy of the inspection fee that they have charged me $9 per month for - but I was told last week that they are not required to provide it. I had just spoken with Citimortgage last Wed. night and spefically told them not to call my job - and the VERY next day a lady did call - and told me I could not get an inspection copy - per HUD - but I had to pay the $9. I said ” So you are telling me that you can bill me for this - I have NO proof that any of these INSPECTIONS ever took place - and you expect me to pay this? Does anybody know the details about this?? I also told the lady that called me on my job that I had just spoken to Citimortgage the night before - and had specifically told them not to contact me at my job - and the she says she will note that - as if she is doing me a favor… In the year and a half that I have had to deal with this - only 1 person had the ethics and common sense to understand. They have delayed posting payments - and each time I attempt to contact them I get another person. One night I was on hold for like 45 minutes - and then they disconnected me because it was after 8 PM.
June 30th, 2006 at 5:33 pm
Valerie adds this Comment:
After receiving my escrow statement, I called to request that my payment be removed from escrow.
On the first call, I was sent into the security system to change the voice mail password. I hung up and dialed again, only to hear personal conversations and background chatter from (I assume) Citibank Customer Service Reps. On the third try I reached Janita and immediately asked if she was in the U.S. She said, “No” to which I replied, “I want to talk with someone in the U.S.” Thankfully, I was transferred immediately to Greg.
Customer service is somewhere in India that doesn’t understand the mortgage process or customer service. In fact, I had one experience with a “customer service representative” (I use this term loosely) from India who actually yelled at me on the phone!
Now…I am not normally one to send out things such as this and have never contributed to a blog, but after too many trials with this company, I decided to add my comments to strongly encourage people to never bank with this company.
My mortgage was sold to CitiMortgage about 2 1/2 years ago from Principal Residential (as I see from comments that it has happened to others as well). Since then I have had nothing but headaches, costs, costs, and more hidden costs from CitiMortgage.
The newest financial gouge from CitiMortgage is that I had to pay $250 of MY money to close my escrow account with them, all the while that I have not been earning interest on it (they say they haven’t been earning any either - yeah, right…HA!). Ergg…
I am now leery, based on previous posts, that I am going to have something with my taxes and/or hazard insurance get screwed up.
…suffice it to say…CitiMortgage is not paying for all the marketing and TV ads out of the goodness of their own hearts rather with customers’ (again, I use that term loosely) money.
Anytime you need banking needs, RUN from CitiMortgage, Citibank or any other “Citi”-product.
And about that class action lawsuit suggested by Wendi Olson on August 5, 2005? Let me know when and where…
July 3rd, 2006 at 4:08 pm
John adds this Comment:
Ok, I think I get the picture. CitiMortgage, don’t go there. If they take over the mortgage, SELL!
I have a similar article on my site on equity lenders and how they charge extra fees in order to get you those low rates. A few other less than reputable lenders in there as well.
July 11th, 2006 at 7:26 pm
can;t stand Citi adds this Comment:
Here is the legal department address and phone numbers to CitiFinancial’s legal department. It will help is you have a CitiFinancial mortgage.
Address and phones mays have already posted.
CitiFinancial
300 St Paul Place
Baltimore, Maryland 21202
fax: 410-332-2949
voice: 410-332-7750-legal assistant
voice: 410-332-3528-attorney assistant
I had a problem and called daily. They annoyed me and I called every day, sometimes multiple times a day until they corrected the problem.
July 22nd, 2006 at 9:44 pm
Sandra adds this Comment:
Thank you all for the information I needed. I am also having trouble with Citimortgage after having been sold from Principal Residential Mtge.
My problem is not as serious as some I see but I am having an escrow problem also and about to be canceled by my insurance company.
I couldn’t understand why I was being told it would take 24 to 48 hours for a fax to be sent. Of course it never was. Now I know I was talking to someone in India.
July 27th, 2006 at 4:49 pm
Benny adds this Comment:
Have you guys ever had them tell you that they lost your money order/check? This happened to me recently. I sent them 2 money orders since the highest amount you can get is for $1,000.
After the 16th I begin getting phone calls that my payment is late and will be sent to the credit bureaus and reported. I found out from one of their people that a machine basically takes all the bills and checks you send… scans it, etc and “pays the bill” THEN it shreds the envelope and whatever else it doesn’t need.
Well, of course, the money order for $1000 was missing, but of course it didn’t strike them odd that only a 1/3 of the payment was posted.
Long story short. I faxed them a copy of the receipt AND a copy of the form proving that the post office was researching it and that it would take 90 days before a new money order could be issued. I was promised it would not get reported to the Credit Bureaus.. then of course last night I see that i’m being reported late to all 3 credit bureaus.
I call them and theya are pretty much like ” Oops.. my bad.. well now it’s stuck there till we get the $1000 then we’ll take it off.” In other words in their eyes, no matter how much evidence you send to them proving them at fault, you are STILL guilty until proven innocent. I had explained to EVERY person I had talked to there, that it takes 90 days for the post office to reissue because they have to make sure it’s not cashed withing that time frame. I was assured not to worry about it, that while it was under investigation they wouldn’t report it.
I explained to a supervisor that according
to the Fair Credit Reporting Act, what they did was completely illegal, since it states that you can’t report negatively on a consumers credit report in the midst of an investigation.
I can’t WAIT to refinance with someone else… your checks get shredded and YOU end up paying for it.
September 18th, 2006 at 7:07 am
kyle adds this Comment:
Just as frustrating experience as all of you wit Citi Mortgage. They misapplied mortgage payment to escrow. 8/1 still gettng the run around 9/25. Have called and spoken to 30 supervisors in between.
I caught the problem myself on 9/1 when I red’c a letter from Citi saying I was delinquent. Spoke to Toni Vitale who all but guaranteed it was “fixed” case # and everything. That there would be no reprort to credit bureaus for their mistake. Got a letter from rsearch dept 9/6/06 from Jill Stoker confirming the same. and I quote, “Please be assured no late charges were assessedto your loan as a result of this matter. In addition, no derogatory information was reported to our subscribing credit bureau agencies.” I found out 9/22 as I apply for a mortgage that there is 30 day late from them for 8/1/06. On the phone as we speak with Connie Mathews and Jo Naman. Oh how convenient …disconnected.
September 25th, 2006 at 11:07 am
Donald A. Olson adds this Comment:
I recently received a letter from citimortgage that they had been informed by Cross Country to start collecting the premium for my service contract plan.(what ever that is). I haven’t contacted citimortgage at this time to get clarification. Does any body have an idea what they are talking about?
February 14th, 2007 at 9:10 am
FrustratedCiti adds this Comment:
We are having some of the same problems. Our loan was sold to citimortgage. We sold our house and the payment was sent in for the full amount of the loan 5 months ago. They keep sending us foreclosure letters and have completely ruined our credit. Lawyers contacted them and were told that nothing would be reported or done until this matter was resolved. That was a lie. We were then told that the lien had been released so quit worrying about it, until we got a letter from their lawyers with a date that the house was to be sold at auction. There is another family living there with a loan on it from another bank…boy will they be surprised. In the meantime, our lawyers sent in a second check for the full amount of the loan…which has not been credited either. We’ve had the same problems contacting anyone at citibank. We were finally given a lady’s name and extension number. It always goes directly to voice mail and she has never returned a single call. This institution should be shut down.
February 24th, 2007 at 8:35 pm
Rodney Rock adds this Comment:
Chuck Prince
Chairman & CEO
Citigroup
www.citigroup.com
I refinced my house in 05 and payed off citi well I am trying to do it once more and come to find out I can’t citi did not file the paper work with the county.My credit report shows it being payed off but not at the county.I have been given so menny 800 # it is not funny.None seem able or wount to sove my problem.Any one have a idea who I should talk to to fix this.
Thanks
Rodney Rock
rodlrock@comcast.net
March 12th, 2007 at 5:57 pm
Rodney Rock adds this Comment:
I found his address
Citibank
Mr. Charles Prince, President & CEO
Executive Communications
1 Court Square, 42nd Floor
Long Island City, New York 11120
March 13th, 2007 at 6:36 pm
Rodney Rock adds this Comment:
Citibank
Mr. Charles Prince, President & CEO
Executive Communications
1 Court Square, 42nd Floor
Long Island City, New York 11120
Re: Citibank Acct. Mortgage xx-xxxx-xxxxxxx
Mr. Prince:
I don’t normally write letters about service I received, but this time I could not over look this problem. And I am sure you and your team will want know about this.
In March, 2004 my wife and I went through a rough time. Citi Mortgage got behind, while working with the Citi Mortgage people we got it fixed or so we thought. The mortgage was taken over by Citi Financial very nice. We went from playing $180 to $120 a month. The problem started by them not talking to each other.
In 2005 we decide to we decide to refinance our house with GMAC they were out first and you were our second every thing went fine with the refinance.
March, 07 we decided to refinance once more to finish some projects on our house. Everything was going fine our broker (Maria XXX-XXX-XXXX) found us a loan that would work for us, called a 10/20 she started the process. After a few days we get a call from Maria telling us there is a problem seems we have a lean on the house from Citi. We need to fix the problem ASAP or our loan will fall though. Maria and Nancy from the Title Co had been working on the problem for the past few days and were not getting any were. However, on March,7th. I called Citi Financial 1-800- number and give lady the account number tell the her the problem she informs me she can’t find me in the system I tell her that it is the account the credit report shows “she tells me they don’t do loan satisfaction letters and the credit report is all I need?. I told her no, the county record needs to show it being satisfied she tells me once more the same thing. Then “she told me that I should have known it was not taken care of back in Nov. 05’. I asked, her how I would known it , all the papers I signed at closing showed you being paid off then she tells me once more the same thing. I asked her if she has a house yes! I asked her if she was sure she was sure all of her paper were in order yes! I asked how do you know she told me this is what she does for a living. I told her that’s my point I am a mold maker not loan person like you. I asked her name she hangs up on me. I call back and asked for the number of a Supervisor (Melissa 803-835-4808) She starts digging a round and tells me the papers were sent to Mr. Neleson (XXX-XXX-XXXX ) in Dec 2, 05 I called him, he has no idea what I am talking about and tells me to call Citi Mortgage (1-800-XXX-XXXX) they tell me that it is a Citi Financial problem.
I explained once more everything and that I am running out of time on the loan my broker found me. They (Citi Financial) tell me to call the records dept I do and the girl tells me to call Mr. Neleson I tell her no! I need this solved and I am running out of time. She tells me it can take up to 15 days to find out the problem and to fix it .this is the 03/08/07 So after work I decide to go To Citi Bank Plantation, FL and Talk to a nice young Juan man he spends 45 minutes with my wife and I, getting the same runaround as myself finally he tells me a guy named (Anthony 1-XXX-XXX-XXXX ) will call me the next day I am still waiting for Anthony call. Any way I thank him and he give me the Citi Bank Listens card I take it home and fill it out on line when it got to the part about what I think about Citi every thing went from very good to extremely bad and it ask if I would like a manager to contact me sure! At around 9:30 am March 9,07 I got a call from Marsha on my Voice mail I call her back and tell her what is going on She tells me she will try to help me.
I get a call March10,07 from my broker The 10/20 loan has been pulled and it will not be reoffered to me. She told me she’d try to find me another loan. This story is very long with a lot left out and a lot of the 1-800 numbers left out.
I got a call back from Marsha telling me her progress so far not good she tells me not to worry she is not going to give up .Wow! I tell her about the loan being taken away this upset her (me as well )So she calls my broker and try’s to fix It she can’t every thing change that last Friday with the news of all the defaults it was all over the News .
On Tuesday my broker calls me and tells me she found me a new loan 5/25 and it is not going to cost me $6000 at closing like the last loan but $13,000.I get a call from Marsha to give me a update I tell her what happened makes her very sad. She tell’s me she thinks she has the right person to solve the problem and they need more info, can she get it from my broker? I tell her no problem she can have all the info she needs. This lady Marsha called each and every day to let me know what was going on! Thursday March 15,07 and I get the call that she now has the right dept and some one working on my case but it could take up to 30 days to get it resolved (oh god help me ) I tell her I only have 6 days left on my new loan she tells me she will keep pushing them. So after talking to her I call CitiFinancial Records and talk to Vanessa (888-XXX-XXXX) a very rude person. She tells me you have a third party working on this and go through them. And she told me not to call her any more!!! So I call Marsha and tell her what happened she tells me not to worry that she was working with some one over Vanessa head .Later that day I get a call from Marsha telling me she has the Satisfaction of loan in her hand and was faxing a copy to my broker as we spoke, What a lady !!!
The problem started when the Mortgage was turned in to personal loan in 04 and a loan satisfaction letter was never sent to the county office. In 05 the personal loan was paid off by GMAC they did not see the problem because they did not do a title search, the loan was staying in house. Then in March 07 we want to refinance again. Now the problem shows up and no one wanted to take ownership, of the problem.
There are endless people that should not be on your team that are not working in the best interests Citigroup or your customers. You should try to solve the same type of problem and you will see for your self what I am talking about.
You do have a bright spot in your Citigroup team and that is Marsha (XXX-XXX-XXXX) I will be opening a account at her branch my way to say thank you She holds the standard that all Citi employees should strive for. A person who took ownership of a problem and got it solved. You and your Management Team should be very proud of her and her Plantation team she has the spirit Citi should be looking for at the top and through out your organization.
Sincerely,
Rodney Rock
Ft Lauderdale Florida
CC Marsha
March 21st, 2007 at 3:12 am
katie hates citibank adds this Comment:
My fiance and I bought our house in october and have not had the same payment since the company we originally bought our loan with sold it to Citi mortgage Inc. First they sent us a check for some odd reason in December, then they wanted $1200 from us for a shortage in escrow. I work for a real estate company and have contacted our lawyer about this. Has anyone had any luck w/ this or is it just futile? We don’t know what else to do and I can’t spend two hours of my work hours a day on the damn phone with these fools. Any ideas PLEASE HELP!!
March 26th, 2007 at 3:54 pm
stefanie roemer adds this Comment:
“We are a class action law firm looking into a potential class action lawsuit against Citimortgage as a mortgage servicer regarding (1) the failure to properly post/apply payments, and (2) improper late charges.
If you have had any of these problems with Citimortgage, please email us at sroemer@nydclaw.com with the following information:
1) A brief summary of your major complaint, including dates and
2) Your contact information.
Hopefully, we will be able to bring some justice to those who believe have been wronged by this Company!?
May 2nd, 2007 at 12:04 pm
robert adds this Comment:
i work for citimortgage why are you guys such in a bad mood were’re a great company!
May 2nd, 2007 at 5:23 pm
dave adds this Comment:
I’ve had my mortgage for 3.5 years (it was also sold to Citimortgage almost immediately.) My problem has been that they will not cancel my PMI. I basically make double payments per month and I am now at 75% Loan-to-value compared to the original price of the house. I have not had any late payments. I was told multiple times on the phone that they would not cancel my PMI without an appraisal. According to the Homeowners Protection Act they are required to cancel PMI at 78% LTV, but they state they do not abide by this law. Funny thing is when I logged onto their website and looked up PMI cancellation it said PMI would be cancelled at 78% LTV! Why should I pay them for this appraisal when they’re legally obligated to cancel? I’ve written letters (actually including copies of this law and their website page), made phone calls, talked to supervisors and gotten nowhere. Everywhere I look on the internet it says that it should take one simple phone call and the PMI should be cancelled. I’m an ideal customer and they won’t help. Why should I keep paying PMI when I’ve proven I’m a good customer and there is no longer the same risk that I’ll default on the loan (the reason for the PMI in the first place)?What’s the next step?
May 14th, 2007 at 8:20 pm
john spearing adds this Comment:
I have a va loan with citi. I have had problems with cit-mortgage that has gone on since they bought my paper may of 2003. I have over paid 3 months in payments plus late fees. no matter how many faxes or certified copies i send them, they will not credit my account nor will they correct my credit report.
I received a call from a stefanie roemer two weeks ago. They are a firm out of washington.
To date there is no government regulatory agency to look over these corporations. It should be simple… contract law. Yet when they disput a certified check with copy of bank statements and a copy of the check they endoresed where do you go from there. Her is my question!
May 16th, 2007 at 7:55 pm
julio adds this Comment:
Dave, I feel your pain. Citimortgage makes dropping PMI almost impossible. I’m at a 60% LTV and still can’t get them to drop it. Read my story at:
http://alexking.org/[...]omment-55803
The next thing I’m going to do is complain to the OCC. See Pat’s comment for info:
http://alexking.org/[...]omment-53836
May 23rd, 2007 at 6:13 am
margo mallicoat adds this Comment:
citimortgage is a pain. Their service is inconsistent, they change the rules everyday it seems, and no one will take responsibility for anything. if you ever want to modify your lot lines, start 3 months before you think you need to and disregard their promise of 6-8 weeks. also, you can forget anyone returning your callsm, and they have an answering system for their customer “service” line. rates rae going up and I cant start my reno until this is complete and citi doesnt give a damn…but they kept my $300 “service” fee - you can bet your boots on that.
I am going to post every place I can possibly think of so that NO ONE willingly gets a bank account, a credit card or a mortgage with this incompetant inconsiderate group of people…and ps - when you get your mortgage make sure that it cant be sold to citi!!!
good luck to all of you. I have been trying for 11 weeks and have had zero action.
m
June 15th, 2007 at 5:37 pm
Bobbie adds this Comment:
I just can’t believe that a company as large as CitiMortgage can get away with such unfair business practices and unprofessional behavior.
We were sent repeated letters telling us to call if we needed or wanted a deferment. We called and were told we were granted a deferment.
Those letters, by the way, had the wrong number on them - error #1.
Then we received a bill saying we were past due and a letter saying we were in default. That letter had a wrong number on it too - error #2.
We called and got put through voice-mail hell. A week later when we did get through to a human we were told too bad there’s nothing they could do because we didn’t actually qualify for a deferment - error #3.
After that I continued to call and leave message after message, never actually reaching a human.
When I finally got through to a human I was again told sorry, there’s nothing they can do. I asked to speak to his supervisor and was told that person was on vacation, but when he returned he’d call me.
The call never came - error #4.
I called and left multiple messages and never returned a call back.
Finally today the person who is supposed to be my account manager called me back, not his supervisor, and told me I better pay up.
They have reported this to my credit report now and are ruining my credit. If there is a legal way to sue them and anyone knows how, please answer this blog!
They should not be able to get away with making a verbal, binding agreement and then ruining what I was trying to rebuild.
August 20th, 2007 at 3:06 pm
J.Griggs adds this Comment:
Thanks for this site. I was looking at Citi for financing my new home purchase. Think I’ll stick with Wells Fargo.
August 21st, 2007 at 3:49 pm
m adds this Comment:
Bobbie… CitiMortgage does not offer deferments. It is quite possible you misinterpreted the letter. I’m sure it was a letter advising you that Citi would attempt to work with you to cure your delinquency if you qualified. The type of loan you have determines what you may or may not qualify for in terms of assistance. Mortgage companies, like Citi, really do make every effort to help you get back on track… believe me, its in their best interest to do so. They lose a substantial amount of money when a loan is in default.
Also, mortgage companies do not ruin credit. Delinquent borrowers ruin their own credit. Negative credit reporting is simply based on whether or not you pay the balance you are contractually obligated to pay. If they made a payment posting mistake that caused a negative credit reporting, you can provide proof and they will be legally required to fix your credit.
I have many years experience in all areas of the mortgage business and here is my suggestion to you… save the money you plan to pay a lawyer to sue Citi and pay as much toward your delinquent balance as possible. After all, you made a legal binding contract when agreed to pay back the money they loaned to you.
Your best bet is to address the problem that caused you to run behind in the first place. If its credit card debt… try a credit counseling service (but make sure it’s a non-profit agency). Or contact HUD if you have a government loan type. Worst case scenario, sell your property and get into something more affordable.
Hope this helps your frustrating situation.
~M
8-21-07
August 21st, 2007 at 3:55 pm
Tom adds this Comment:
In response to “M”. Have you not read the previous posts? Citimortgage is not applying the money they receive to their accounts! How do they get away with this. Easy. Crooked politicians, and lawyers.You name it. They are paying off the very people who are supposed to protect us. They are very much aware of what is going on. They choose to do nothing because they are getting money from Citimortgage and its affiliates. NO ONE can be this incompetent by accident.
Sadly, it will most likely be quite awhile before something is done. Meanwhile, they are stealing peoples homes and hard earned money. By the way, you sure you don’t work for them? Sure sounds like it!
September 6th, 2007 at 12:09 pm
Kristin adds this Comment:
I have had citimortgage ever since Amtrust sold my mortgage to them in 2004.
I have had no problems that any of you speak of. My bank info is online so all I do is hit pay and its FREE to pay all the way up to the tenth of the month!
I am now thinking of getting a 25,000 equity loan (since I have $150,000 equity) but I clicked on the link & see citibank is who my loan would go through….
I find citibank telemarketers to be a pain in the @ss. I am going to have to think about this one.
September 23rd, 2007 at 11:44 am
Kristin adds this Comment:
P.S. Waterfield Mortgage & Chase are the absolute worst IMO
September 23rd, 2007 at 11:46 am
Jesus Casal adds this Comment:
I have a problem with Citimortgage reporting incorrectly to Consumer reporting agencies .If you had enough you can contact THE FEDERALTRADE COMMISION at 1-877-382-4357
October 2nd, 2007 at 2:40 pm
LJ adds this Comment:
I was sold to Citimortgage. After the first escrow review they decided I should pay $300 more into escrow. For what? My taxes and ins. don’t require this additional $300. I requested to have the escrow removed from my loan on 8/30. After requesting this letter weekly I finally get it on 9/24. I mail it back on 9/25. On 10/9 I call to see if they have received it. No we haven’t, takes 7 days. Well it has been 12 working days! What could she do, request the letter be sent again so that I can wait another month to receive it. I plan to call on a daily basis and I plan to mail a copy of the escrow removal letter to every address I can find. I asked the rep if I could fax the letter, and she tells me no because they don’t have a fax # for that dept.! Unbelievable.
October 9th, 2007 at 9:35 am
G-Mo adds this Comment:
Citimortgage took 2 months of payment out of my account when they were only authorized for a one time payment. By them doing this it sent my account into the negative. I called and asked if they would put the money back into my account by electronic transfer and I was told a check was mailed today 10/25/07 and that they couldn’t do anything about it. Well, I know they didn’t mail out the check when I called because the mailman does not come at 9 am to pick up mail. I sure hope they don’t keep my money it’s almost 2k they owe me. I have reported them to the better business bureau and I will write the CEO. Even the supervisor lied and said there was nothing they could do about it. So, I’m stuck paying for all those checks that Citimortgage caused to bounce. I’m in the process of re-financing with another company and I’ve only been with Citimortgage 2 months! They will not get a chance to burn me again.
October 25th, 2007 at 12:22 pm
Ed and Barbara adds this Comment:
We have been sparring with CitFinancial for three years about their failure to credit paymants, false reporting of our redit history, and for the past 12 months returning our payments in plain, hand addressed envelopes without explaination. Written communications with their head office in O’Fallon. Missouri have been of some help, but their Dallas-Fort Worth office that handles our mortgage to correct our records. Now they are pressing foreclosure. We are interested in joining any class action suit against them.
October 31st, 2007 at 3:35 pm
Tiffany adds this Comment:
Oh boy we could gooo onnnnn and onnnn about the trouble we’ve had with Citimortgage. Since we were sold 7 years ago. Our escrow accound has been screwed up since day one. One day their asking for more money the next there sending me refund checks and this is no lie. We missed a pmt one month and before we missed that pmt we called and asked if we could do something pay it late or what we should do. They told us about the repayment plan. You pay a little bit back over a 10 month period we will not report you late and no late fees we did that. Once we paid it off in the time frame that they asked we were slammed with $497.00 in late fees and get this we still owed the amount that we originally were paying back on so we made no ground all those months of paying back what they told us to. After calling every month to make a pmt because you can’t pay online you either had to pay by phone or mail a check nobody ever said we weren’t paying enough. Apparently when we made the arrangements they also reviewed our escrow that they said we weren’t paying enough in so they collected that money and not the extra toward our payoff then come after that 10 months we got a refund check of $500 for overpmt in our escrow,…. none of this make sense…. I don’t understand. I’ve not been able to talk to anybody that will straighten it out after numerous attempts….
November 3rd, 2007 at 8:19 am
Amanda adds this Comment:
AHHH!! I am SOOOO frustrated with the “loss draft” department of CitiMortgage. I had hail damage to my home in April 2006 (over 1 1/2 years ago) and the insurance company issued the first check of $10,158. We sent it to Citi, with the insurance estimate (so they KNEW from the beginning that the final amount would be over $20,000). They simply endorsed the check and returned it, saying that since it was so close to the $10,000 mark, we wouldn’t need to do the inspections and everything. We then signed a form saying we would be acting as our own “general contractor.” Well we hired all the right people and eventually all the work was complete, and we paid for it all, most of it coming out of our own money. We got the check for the remaining money from the insurance company after submitting all of our reciepts and sent it on to Citi to endorse. Well suddenly, Citi is holding our check captive!! All of a sudden we DO need an inspection because the amount is over $10,000 (THEY KNEW THAT ALL ALONG!!)… OK, FINE, I dealt with it and sent in all of their “required documentation” and all of my reciepts. I’ve been calling and calling to check on the progress, and suddenly they tell me that my “reciepts aren’t good enough,” because on some invoices, the “Paid in Full” is handwritten and then signed by my contractors, rather than an “offical PAID stamp.” They are telling me I have to track down all 5 contractors and have them re-issue a more “offical” invoice that confirms that I’ve paid them. WHAT!?! Have they ever worked with roofers and drywallers? It’s hard enough to get them to come do the work, there isn’t a chance in hell they will take their time to redo an invoice. The OTHER OPTION - I can locate a copy of all the cleared checks (FROM 8-14 MONTHS AGO) as confirmation of payment. My bank doesn’t let me download the check images from that long ago. This is ridiculous! The insurance company didn’t even require all this crap for proof, and they were cutting me a check! Citi is just making this difficult so they can keep everyone’s money longer while they argue details. THEY ARE MAKING INTEREST ON MY MONEY!! CITI - GIVE IT BACK!!!!
November 6th, 2007 at 4:17 pm
Amanda adds this Comment:
Rather than faxing the “more official” receipts to the “loss draft” department, I mi