UPDATE RE: CITI MORTGAGE
 the sale of my home instead of being cancelled has been delayed until the 1st of December. All the proof has been submitted but citi wants to continue to 'investigate'. None of them could find their butts with both hands, a flashlight and a rope  . After the media stations would not call me back, I finally got in touch with the newspaper. The reporter, Randy, called me back on Monday,made a number of calls, came and picked up copies of all my paperwork yesterday, has been in contact with my banker, Att Gen office and citi and the paper, Star Tribune is going to RUN THE STORY!!.  I have to meet a photographer at my house today and the story is su[ppose to run this Sunday, I believe, in the Whistle Blowers column. These SOB corporations NEED TO BE EXPOSED! And I know I am not the only one this has or happened to. Even the Att Gen office cannot say how many complaints about these lenders they get because of confidentuality. I had to send an e-mail granting permission for them to talk to my banker, who can now speak for me officially per the bank's corporate attorneys. Hopefully this will get resolved SOON! I still LOATH HATE AN DESPISE CITI MORTGAGE.Keep everything crossed  |
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Thanks goodness!  Getting the story of what they are doing to you (and others) out there is great. I hope this forces them to take action and get this resolved in your favor. |
I just got a call from my banker and s___ty citi said I didn't make the payment from 10/09. I have the copy of the check!!!!! I gave the info to Steve, my banker and now they are going to check when citi processed it. This is so fun  |
| CONGRATS!!!!! I'm guessing you didn't, but even if you were missing one month, I think that would only make you perpetually 30 days (or less) behind as you paid the next month and so on. I look forward to a link to the story!!!! |
| I'd like a link to the story too and I am glad you are finally getting someone to actually help you. I do know some of these places use the dirty trick of not posting a check in a timely manner even tho it's been sent to them in plenty of time. Another of their dirty tricks. |
| GOOD FOR YOU! So glad you are getting your story in the newspaper. Look forward to the link-- |
| Kudos to you for persevering to get this straightened out! Shame on the media, but hooray for the newspaper that is investigating! We have a similar column in our area where people can go to get problems investigated. Please do post a link to the article when it appears! Would LOVE to hear how Citibank gets around THIS! Congrats and good luck!! |
| It sounds like they are making up stories to cover their butt. Can't wait for the link... |
| I think I saw the article in the Star Tribune today, but didn't' want to link in case I was wrong or in case you'd prefer no link. All I can say is: well, there are no words for how badly Citi Mortgage is behaving. I hope it all works out for you. It sounds like you have some good people on the case. Keep us posted. |
| So sorry you are going through all of this. I think it is a Citi-wide problem. We have 2 small loans from them (one secured, one unsecured), and the games they play!! We've had them pull a payment from the secured loan and post it to the unsecured, then threaten to repo the car because that loan is now "behind." They even "bounced" a perfectly good check that they never bothered to present to our bank, because one of the guys at the processing center thought it looked "funny," (but they were perfectly happy to cash the other sequentially numbered check). And you have it right - nothing is ever their fault, it is all on you. So glad you are able to bring some real attention to this, and I have my fingers crossed that you get some satisfactory resolution. |
| I hope you get it all straightened out. They never take ownership of their mistakes. It is easier to blame you. |
| wow. RUN from citi! and it sucks because the little guy has so hard a time proving and litigating against the big corp's. hope all works out in your favor! |
| The bank would get hung in the UK if they done this |
| The article in the Whistleblower came out yesterday. My sister in Maryland, called me and read it to me. I don't get the paper or own a computer. The link is www.startribune.com/blogs/whistleblower.html. You might have to click on the reporters name, Randy Furst Or www.startribune.com and go to whistleblower. I sure hope this BS sale is cancelled and I do not wish good thing for CitiMortgage. Nancy G |
| I am so sorry you're going through this. What a mess. |
| Here is the direct link to the article: http://www.startribune.com/local/west/133748513.html |
That is just disgusting what they are trying to do. I really hope this shames them into doing the right thing. Thinking of you  |
| Since the article came out, a new person at the Mn Atty Gen Office handling case. He told me many calls and e-mails have come in. CIti still maintains I did not make a payment EVEN THOUGH all the proof is there AND Citi still wants me to pay $3300 in attorneys fees. I received a letter from my State Rep, Ryan Winkle. He read the article and wants to help. I gave his office the number of the person at Atty Gen. Ryan contacted him and Ryan's Assistant called me & sent me an e-mail of the letter he drafted, signed and sent to many @ Citimortgage and City bank. Numerous copies to others. Wow, I have even been recognized by a few people on the street who read it! My guy @ the bank told me it has even reached the CEO at the bank. I hope this tactic get out ther to others regarding their lenders. Our government has pretty much give the ok to thes lenders that what ever they do is ok. Even if it is just barely this side of the law and morally wrong. BAD BAD CITI!! |
| You go girl!!!!!!!!!!!!!!!!!! Bust those people!!!!!!!!!!!!!!!!! |
| Nancy, this is wonderful news!! Keep the momentum going  Classic example of the squeaky wheel getting the grease...and well deserved in this case  |
| Good for you!! Rooting for you against those evil giants! |
| Today in the Star Tribune, there is an update to the original article. Obviously the sheriff's sale did not take place 11/2/2011 or 12/2/1011. They have is scheduled again for 12/2/2012. I knoe my banker is beating his head against the wall because I don't understand how I could owe 8 payments when I only owe for June 2011 thru December 2011. He has TRIED to explain that because citi held a check for 30 days b/4 they cashed it, they applied the payment to the month b/4. I asked about the payment that was made for that month. Citi just kept applying paymentsto the previous months, EVEN THOUGH they got ALL of my payments. I never missed one. See how I am confused. Also, when I got home from vacation last Tuesday, a local media station, KARE11, did an on camera interview that is suppose to air sometime this week. They even took pictures of paperwork, which during the time frame citi claims I was behind, shows no late fees or any other BS fees. Everything was current! As far as I'm concerned, They are a bunch of criminals and belong in prison for fraud, extortion and blackmail. I wish I could afford to go after them but even in class action suits, only the lawyers make money. After all, these lenders have more money tha god. I REALLY REALLY REALLY LOATH HATE AND DESPISE CITI MORTGAGE!!!!! |
Good news so far  I will be looking for the article and news cast.  Hang in there and be tough Nancy!! |
Correction, the sale is scheduled for 1/3/2012. I'm not holding my breath, very cautious but maybe a glimmer of hope. I have to hang in there. I'ts my home. Where am I suppose to go with my furkids? These SOB's are NOT going to steal my home!  |
| Just keep getting all the coverage you can, right is on your side but these banks do not play fair so anything you can do to show how crooked they really are might help. Have my fingers crossed for you big time. |
| I saw the article today. Here's a link: http://www.startribune.com/local/west/135067698.html |
| This in particular and the US banking system in general is just abysmal and an example of capitalism at its very worst. I'm no socialist, every product and service company has to make a profit and decent return on investment or they will not be there when we want or more importantly need their product/service, but this pursuit of the almighty dollar at any and all expence cannot continue unchecked - there have to be limits. There are still fundamental rights and wrongs, even in business. Selling mortgages to realize profit early rather than awaiting their maturity, deliberately not accepting payments or defering them to force the mortgage into default, a legal system that benefits from these proceedings and a judicial system that has neither the teeth nor seemingly for the most part the will to reign in this sort of abuse without going to court highlights just how much the US banking system has gotten out of hand. All of this is plain and simply wrong, period. There are times when big government and regulations have a place and this is certainly one of those times - and this from someone who if resident in the US I would most probably vote Republican. But this time there simply aren't enough regulations to protect the individual citizens and in point of fact the country and it's economy as a whole. Witness late 2008 through mid 2009 and the near trillion dollars it took to keep the US mortgage/financial/banking system afloat because to not do so would have cost literally trillions more and plunged the US - and subsequently a large part of the world economy - into outright depression. And Americans sometimes wonder why so many in the world despise them? Other than the outright house theft attempt, perhaps the most galling part of this is that they continue to demand "restitution" for their lawyers fees!! Heck they pay their lawyers anyway, it is called overhead. If you don't want to pay overhead to lawyers don't try to steal a client's house. Good Freaking Grief  And why can't the AG's office summarily dismiss this case on it's own merits if so much proof has been provided?Many may not like the amount and restrictivness of Canadian regulations and the somewhat limited profits that result from them (our banks are still making obscene profits each quarter), but the fact is we have survived the 2008-2010 economic disaster with our finacial infrastructure intact, minimally exposed to toxic debt and without government suckling. Okay, Sorry. Off my soap box now. I truly wish you well and pray for your success in all of this. But it is lawyers dealing with lawyers and that is as bad as it gets for mere clients who cannot pay them tens of thousands of dollars in their own defence. It is mind bobbling that to defend yourself would cost more than the thieves want from you!! Please continue to keep us updated. Carl |
| nancy, you need to ask Stephan and William if they can recommend an attorney who might take your case and go after citi for their own fees. at this point, it's more than possible and i'm afraid it's very necessary. the law is unfortunately still on evil citi's side from a technical standpoint. it's only a court of law that can stop the process and rectify the injustice and citi knows that. only a countersuit will make the bastids think twice. they don't care if they look bad, thats obvious. i'm very afraid without lawyer representation and a judge and jury, no amount of newspaper articles will resolve this before citi walks away with your house.  |
| Here is thelatest update. There a a couple inaccuacies but otherwise true. CitiMortgage's reply was complete and utter Bull____!! If anyone is interested, here is the link: www.kare11.com/news/article/949353/26/A ... re-dilemma A part of this nightmare should be resolved Friday. The "8th" payment is a lie and I have refused to pay the attorney fees. I hope this kind of fraud and I still maintain it is extortion, blackmail and plain old theft. CitiMortgage and others like them are criminals and belong in prison and not the country club type. If anyone saw 60 Minutes on Sunday, 12/4, Citi and I think it was Countrywide(?) Big Trouble and problems that the DOJ is aware of but haven't filed criminal charges. Anyway, thats the update. I still LOATH HATE AND DESPISE CITIMORTGAGE!!!!!!! |
| Couldn't you file an injunction against Citi to prevent them from taking the home? That can buy you some time to find a legal way out of this mess. But that means you'd have to hire a lawyer and probably sue them for some sort of wrong doing. Then the case could be heard by either a jury or an impartial (hopefully) judge and they would decide what the outcome was. I'm not a lawyer, so maybe I don't know what I'm talking about. Just trying to help. |
| At least you are still getting coverage from the media. Maybe consider contacting Chris Cuomo at ABC. I know he has taken on BIG insurance companies and banks--and with the National News exposure seems to get results. Possibly with the local coverage you have received --he might consider your situation and take it on. Just a thought. |
| I wish I could afford an attorney.Also a very big problem is citi and the other lenders have more money than God and can block forever and many attorneys do not have the experience or $$$ to take on this kind of suit. On that 60 Minutes they were exposed and the Dept of Justice is aware of the dirty practices. But no charges have been filed. I would love to see this on a national level to expose all the lenders that pull this crap AND get away with it. Citi already wants attorneys fees and I have refused. The Atty Gen office and I will be talking Friday about these fees plus the payment they held. |
| I have a good friend that is an attorney out of the chicago area that deals specifically with real estate. Please let me know if you'd like me to pass your contact information along to him! |
| Allison, That would be great. Do you want me to PM you with anything other info? Nancy Gosselin |
| Nancy; I'm emailing him now with links to the news stories, and will follow up with a phone call in a bit. I'll let you know what he says. PM me your contact info in case he wants to reach you directly; or I could just get his permission to pass along his office phone number to you. ~Allison |
| Allison, I don't know if the pm went thru to you. This computer screws with me plus I seem to to be really incompetent to use it. Let me know if you got it. I have attempted this feat 2 times. |
| I didn't get your PM- drop me a note at alisohn71@yahoo.com |
| oh nancy, WASHINGTON (MarketWatch) — If you’ve been just dying to find someone to listen to your beef with the company that services your mortgage, now’s your chance. The new federal Consumer Finance Protection Bureau is open for business and ready to accept complaints and inquiries related to home loans. For the first three months of its existence, the CFPB has been collecting credit-card complaint data. And boy, has it heard an earful. More than 5,000 folks have taken their beefs to Washington. The good news is that in more than 3,100 of the cases, the companies in question said they resolved the complaints. Only in about 400 instances — less than 13% of the time — did consumers dispute the adequacy of the company’s follow-through. The agency expects to handle complaints for all kinds of financial products and services by the end of next year. But right now, it is ready to turn its attention to mortgages and the companies which originate loans and those which service them. “When consumers contact us, we get a snapshot of how the consumer finance markets are working,” said Raj Date, special adviser to the Treasury Secretary at the CFPB. To lodge a complaint, go to the bureau’s website, www.consumerfinance.gov. Click on “submit a mortgage complaint.” There’s also an online chat function on the site. The agency says its U.S.-based call centers — you won’t get someone in some distant land — handle calls with little or no wait time. It can assist the public in 191 languages, plus there are services for the hearing- and speech-impaired.   |
Well, I wired the money to "THAT ROTTEN COMPANY'" last Friday and it went thru. They wanted 8 payments instead of the 7 I actually owe, (6/11 thru 12/11) They waives most of the fees but want more in atty fees which I REFUSE to pay! The Atty. Gen office is still working on getting the atty fees dropped, and he sent me the e-mail from "THAT ROTTEN COMPANY" he received which was suppose to be sent Overnight to me. I asked 'over which night?' Anyway, it still hasn't come. Big surprise. My paying is suppose to stop the sale and forclosure. I left the atty gen office a message that I want a letter stating it is off all together. Can you tell I don't trust citi? Besids, since they they went ahead with an action that had no merit, let them pay their own attorney. Take it out of the billions they got in bail outs or do you think they already blew the money on the 7 figure bonus' the executives received? You know, the ones that got them and other lenders in trouble in the first place. I am still going to pursue to expose these bass turds   |
| When this is all said and done, is there any chance you can refinance with a small local bank or local credit union? Because if you can, you should do so immediately to get out from under CitiBank's thumb. They will probable harass you till the day you die. |
| Hopefully soon, I can get it into my bank, and it won't be sold again. It would be a portifolio account which will stay in house. My banker is working on it plus getting "THAT ROTTEN COMPANY" to fix my credit with the 3 bureaus. I am very aware I have a target on my back by them. All payments to them will go electronically so they can't deny payments. But I suppose they still could since they deny they cashed checks for which I have the cancelled checks they did cash. |
| It sounds like some progress is being made to straighten out this for you--thankfully. Hopefully you will be able to start the new year without this hanging over your head. Keep us posted! |
| am writing this for my dear friend and future wife, I have never worked with such a company like yours (Citi Mortgage), is lying and giving your customers the run around the way you do your daily business. Are most of your customer representatives or customer service specialist graduates of the University of Jerk you around? Just to let you know you are ruining people’s lives and credit history. Greed is a bad thing and God has a special place for all of you. The government gave you the tools to start helping people, but you took it, twisted it and looks like you made lots of money doing it. After long waits on HOLD, being transferred from department to department and never getting anywhere. All you get is lies and deception just when she thought she was getting somewhere they foreclosed on her home and force her into Bankruptcy, because by this time she was so far behind there is no way to bounce back. (Citi Mortgage), they add fees to her mortgage for no reason, $100.00 plus for escrow a month (How nice of them, they purchased insurance for her), She already had it with another insurance company. She told them about insurance and sent proof. Ok but you still have to pay the escrow. She refused to pay the extra amount, no problem they just sent her regular payment back and started running up the late charges.(Citi Mortgage) Stated until you pay in full what you owe, we will not accept any payments from you. This went on for almost a year. She filed and went to court about three months ago for bankruptcy, now her credit is in bad shape. Her lawyer said she would get to keep her house, the house payment was set at $674 and some change a month and all the late fees were to go away. She does not owe that much on her house. She started calling to see what her pay off was and how the payment were being applied. No help from (Citi Mortgage) at all. She started sending letters no reply from (Citi Mortgage). She started paying more than the normal payment to make them go away faster and they would be out of her life for good, three months have passed no calls and no replies to her letters. Come to find out (Citi Mortgage) are not posting her payments and one completely disappeared. All the time new late charges are being added, and the old ones and escrow are still there. Here we go again more run around, lies and deception. Are they above the law? Do they even know the law? They are determined to take her home and flush her American dream down the drain. Is the government even aware of this? I have research this on line and found that she is not the only one with this problem. There is much negativity on (Citi Mortgage) doing the same thing all over the country. Why does our government let this go on? Where does one turn for hope (Not Citi Mortgage). Any Ideas or does anyone know where to turn for help? My E-Mail (Diecast0123@aol.com) Thank you |
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