Comments

I cannot believe that I have been on hold waiting to talk to someone for 33 minutes and 37, 38, 39, seconds...I think you get the point. Hire some more onshore folks to answer our call please.

Deane, I apologize for the long hold time. I forwarded your information to a manager and asked that someone contact you directly.

Reply to this comment by CitiMortgage on 03/19/2012 in response to Deane

I have question about listed by Citi Mortgage forclosure property in IL.
We are Citi Gold customers with an excellent credit history, willing to pay up to 50% down payment.We made an offer using the service of the agent posted on the Citi Mortgage web site, but his respond was not very appropriate: Once we were told our offer was submitted to the bank. Next day we were told the offer actually was not submitted and the Bank required higher offer. After increasing our offer we were told that this time the offer is submitted for sure, but yesterday, when we called to check the status we were told that Citi Mortgage accepted verbal offer from somebody else. There are a lot of controversies from the agent’s information. I tried to talk to someone from Citi Mortgage who is responsible for this property, but neither Citi Mortgage Costumer Service line nor the local Citi Bank office was able to provide. Having the experience with the selected agent I think there no transparency regarding the status of our offers and I am not even sure that they were forwarded to Citi Mortgage for review. Could you help me and provide with this information, please, because if this property is already pre-selected for some of the Real Estate Flippers or someone related to the agent – there is no sense to lose more time and efforts. Thanks in advance.

Thank you for contacting us. I have forwarded your inquiry to our REO team and asked that they contact you directly about this situation.

Reply to this comment by CitiMortgage on 03/19/2012 in response to Dean Stefano MD

Like many others, I am very frustratied with Citi. In May 2011, I was in contact with a woman named Miriam who works for CitiMortgage. Miriam worked with me to secure forbearance on our loan, since she felt a loan modification would need to wait until my husband started his new job in August 2011. On June 22, 2011, I faxed a 42-page document to Charles, which included an electric bill, our paystubs, our 2009 taxes, and our teaching contracts for the 2011-2012 school year. At that time, the forbearance was approved, and I was to make a payment of $XXX every month for 4 months, beginning in June via Western Union. All 4 payments were made, and reported to CitiMortgage.On June 30, 2011, we received the paperwork for our forbearance, which was signed and faxed to Claudia, Loss Mitigation Specialist on July 2, 2011. At that point, I was just instructed to continue making my monthly payments via Western Union, and wait until September when our forbearance had ended, and Citi sent us new paperwork to see if we qualified for a loan modification. On August 9, 2011, our twins were born 8 week premature, and spent the next 7 weeks in the NICU at St. Luke’s hospital. During this time, I contacted Miriam once more to tell her about our situation, and see if there was anything more I needed to do. I was concerned that with my attention on my premature babies, I might miss something in the mail. Miriam assured me that they had everything they needed, and that I just needed to wait until I received the paperwork. Which I did. I never received any paperwork. Towards the end of September, I called Miriam again to check on the paperwork. She indicated that Loss Mitigation was swamped, and that it might be October before it arrived. She told me not to worry. Towards the end of October, we received a letter from Millsap and Singer indicating that our house was due to be sold in foreclosure in December. I called Citi and spoke with Charles, who directed me to contact HUD. I contacted HUD, and was assigned Carol as our specialist. Carol contacted Citi, and our foreclosure was stopped. Carol informed me that a Home Support Specialist from Citi, who would be our liaison and help us through the process, would notify me. In early December, Stacey who introduced herself as our Home Support Specialist, and indicated that she was the one reviewing our file for loan modification contacted me. She asked for a list of items, all of which were sent to the fax number she requested on December 9, 2011, except our two current pay stubs. I had been on maternity leave, and was not getting another paystub until December 22, and my husband would receive his on December 20. I informed her of this in an email, and let her know that I would not be able to get the paystubs to her until December 22, at the earliest. She responded that it was fine. On January 3, 2012, I received an email from her indicating that she had not received the necessary documents needed to proceed with our file. I had tried, several times, to email the documents to her from my home, but each time, I received a bounce back email several days later. On January 4, I emailed her, asking what she needed, and asking if I could fax everything to her. She returned my email, stating she only needed the two current paystubs. I attempted to fax the paystubs from my school’s fax machine, and received a busy signal. I tried again later in the day, and got another busy signal. I emailed her to inquire about the fax number, and received an out of office reply indicating that she would be out of the office until Friday, January 6th.
On Monday, January 9th, I emailed her one last time with the hope that she would receive the paystubs in time to stop the foreclosure. I never heard back from her.
When the papers were served for our court date, we learned that our house had indeed, been sold. Since that time, we have since learned that Citi no longer employs her, and that none of our paperwork ever even made it to underwriting. Included with this letter, please find a copy of everything that was faxed to Charles on June 22, 2011, as well as the additional paperwork that was faxed to her on December 9, 2011. Also, please find a printed copy of the email correspondence between her and myself where she indicated that she only needed the 2 paystubs to proceed. It is my sincere hope that you will take all of this into consideration, and allow us to do whatever is necessary and within our power to retain our home. We are both hard working educators, who have been gainfully employed for many years. I have been with my current employer for 15 years. While my husband has only been at his new school for a year, he only moved so that he could work closer to home when our children were born. I know that we have made mistakes, and that we have been negligent in communicating our financial struggles with Citi in the past. However, we are now in a much better financial situation than we were a year ago, and we can absolutely afford to make our house payment.

Thank you for contacting us. I forwarded your inquiry to one of our managers and asked he contact you directly. I understand he has emailed you requesting additional information and is awaiting your response.

Reply to this comment by CitiMortgage on 03/19/2012 in response to Cali Kliewer

I was approved to do a short sale on my Townhome in Oct 2011. In November, apparently, they switched counselors on me and did not notifiy me. I did not find this out until I called the end of November. Then in December, Citi said they emailed my realtor with a counter offer. I did not find this out until after Christmas. I spoke with my realtor, he said he never recieved anything. I asked for a copy of the email, they could not find it. My buyer then backed out. I then decided to do a Deed in Lieu. My hours have been cut to 3 days a week and not even 8 hr days. My counselor said he would start the paperwork. That was over 3 weeks ago, and today I found out that my notes do not even say anything about this only that I am going into forclosure. As of yesterday, I was told that I now have 2 counselors. Never new this before. Over the past 3 weeks I have left messages for my counselor, set appointments for a call back, and I have recieved ABSOLUTELY NOTHING!!! No one can give me a status update on the Deed in Lieu, only that I am going into forclosure. PLEASE PEOPLE what is your problem!!! Each time I speak with someone, if I can understand them, they tell me something different. If Citi would keep accurate records and up to date, I firmly believe that less people would be going into foreclosure.

Nan, I apologize for the experience. I forwarded your information to a manager and asked that you be contacted directly. I understand he sent an email to you and is awaiting your response. Thank you for contacting us; we appreciate the opportunity to serve you.

Reply to this comment by CitiMortgage on 03/19/2012 in response to Nan

i have had nothing but problems from citim. i had to stop working in 2010 due to back surgery on march 2010 then had 2nd surgery in April of 2011 mean while i was fighting them to get a modification .well finally got the mod done but was charged about XXX to get it done .in order to get a mod had to be behind 3 months so i was told to make only half my payments for 3 months witch i did and then went back to making the full payment again but because the half payments they never put any of the $$ i was paying to them to my account so it looked as if i was behind by XXX well they took that $$ that was set aside instead of made on the house and said it was to cover the fees and work that they had to do to change my in rate from 6.5 to 4.75 plus i had the 5000.00 that they said i was behind but in fact they had and used ,added on to the payments so i went from owing them 170000. for my house to XXX and my payment did drop from XXX to XXXbut if you take the $$ that i saved and divide it into what they charged me did i really save anything NOOOOOOOO it will take 5 yrs before the savings will reach me .plus they were given $$ to cover there cost to modify.from our taxes so i had to pay twice

Scharlotte, I've forwarded your information to a manager and asked someone contact you.

Reply to this comment by CitiMortgage on 03/19/2012 in response to scharlotte