Citimortgage Citifinancial Scam artists Gaithersburg, Maryland
My boyfriend/fianc split with his former wife 5 yrs. ago. During the split one payment on the mortgage was missed. We called citi mortgage who told us that it would be alright and told us that if we sent a little over the regular payment for the next few months that they would credit the extra toward that missed payment. So that's what we did. We sent a third of our normal payment with our regular payment thinking that the extra money would be credited to that missed payment.
Needless to say, the extra payment vanished. We sent it to Citimortgage but the money never got credited. In the meantime they have added extra payments, late fees, and processing fees but no one seems to know where the extra payments that we did send have gone. Now a simple repayment of $800 has turned into a $20000 debt which has to be paid or they won't help us.
We have since been forced to file bankruptcy and thought we were back on track.
That's not the case- they still have to explain why the repayment money was never credited and are trying to say we have late fees ( we have not been late since missing that one payment) and accumulated interest fees among other bogus fees in an effort to force us out of our home.
This battle has been going on for over 7 years since citimortgage bought out mela ( our original mortgage company )
Neither one of us is very smart when it comes to financial services but even some what unintelligent blue collar people like us know when we're being screwed.
Any suggestions?
4 Updates & Rebuttals
Chris S.
Findlay,Ohio,
United States of America
Where is my money
#5Author of original report
Sun, February 24, 2013
Your missing the point. We needed help and citimortgage agreed to a repayment plan, in fact, they set the terms and said if we stuck to the plan and missed no more payments it would put us back on track. We sent our regular payments, which we did get credit for, as well as an extra $300 to cover the repayment plan. THIS is the money they ripped us off for- AND they still tried to foreclose. We made the extra payments for 4 months before we got the notice of foreclosure. Now I'm no mathematician but I get a total of $1200 dollars that just magically disappeared after the checks reached citimortgage. So back to my question- where is my $1200 and how did they not rip us off when every one of those checks were cashed but not one dime went to my credit?
Clomc
DFW,Texas,
U.S.A.
Verify waht?
#5UPDATE EX-employee responds
Fri, February 22, 2013
Never missed a mortgage payment, so I'm not sure what I would have to document.
And because I pay everything electronically, there is a electronic stamp to all payments I make.
I don't disagree with you that people sometimes need help, but for you to say that they are ripping you of is not correct. If anything, you are ripping off the investor of the loan by not making the payments as you agreed to do so.
Chris S.
Findlay,Ohio,
United States of America
Citimortgage scam artist
#5Author of original report
Thu, February 21, 2013
Everyone needs help at one time or another in their life.
We made arrangements to repay the missed payment and Citimortgage agreed to it. We sent the money the way we said we would but never got credited on our account the way they said they would do. In other words we had a repayment arrangement made. We honored our end but they never honored their end and now the money we sent has vanished. I can produce receipts and paperwork to verify every claim I have made. Can you?
Clomc
DFW,Texas,
U.S.A.
How is this a Ripoff or a Scam ?
#5UPDATE EX-employee responds
Wed, February 20, 2013
You didn't make your mortgage payment and complaining about it. Here's an idea, make your mortgage payment as you agreed to do so when the loan was taken out.