- Report: #100822
Complaint Review: Citi Financial Mortgage - Irving Texas
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Citi Financial Mortgage
Irving, Texas, U.S.A.
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Citi Financial Mortgage ripoff identity thefts These people need to wake up and smell the coffee and get their act together and not cause so much problems. Irving Texas
Ok Hi my name is Penny and here is our story:
Back on January 23rd, 2004 we had a house fire it was a total loss. Our children were being raised in this family house they were the 5th generation living in the old farm house. Shortly after the fire we reported to Citifinancial that we lost our home to a fire and asked if there was a grace period that is involved with this company due to the fact we lost the house to a fire and what kind of insurance do we have on the mortgage for this.
Their response is I am sorry since you are not on the loan we are not authorized to talk to you. Your husband has to call and speak to us. Ok now we are getting extremely mad. I put my husband on the phone and then gave him a list of questions about insurance on the mortgage and they told him we did not have any insurance on our mortgage also there was no grace period in stopping the payments they had to be there on the date they were due or else.
Ok now we are feeling like we are smacking our heads against a brick wall. We settle with the home owners insurance and then we paid in full the mortgage In April then in May we go to the bank to get a construction loan to be able to build a new home since we did not have the amount of home owners insurance we thought that we needed.
The bank proceeds to tell us there is a red fraud alert on our credit report some dumb idiot at Citifiancial Mortgage reported my husband as DEAD to the credit bureau and then I called they told me I am sorry we can not talk to you since you are not on the loan, I put my husband on the phone and he is so mad he could spit nails they told us they do not have any idea on who how it was done but they needed proof faxed to them so they could take care of it right away, but it will take them up to 10 days to report it to the credit burearu and they could take up to 30-more like a year to clear it.
Well we are so mad by now it is causing so much stress. We are not eating well, not sleeping well, yelling at everyone even our 2 children and all of our close friends and coworkers and this is not very good on any of us. So for the whole month of May nothing had changed.
We contacted a lawyer he never heard of such a thing and had no idea how to proceed on this, then we keep looking for someone to help well I am taking Sm. Business Management college studies and this is where I learned about the FTC(the Federal Trade Comission) they help us consumers when the ppl fraud against us like Citifinancial has done. Then when we left the lawyers office highly P****d off because the lawyer had no idea how to correct this stupid mistake I screamed fine I will just contact the goveners office in Lansing,MI and proceeded to tell them about all of the stupid s**t this company did.
Boy oh boy did they goof they now had to clear the mistake through the credit bureaus but send us a letter that we are sorry but that is not all the stupid idiots now have my husband reported as late on the mortgage we no longer have and we still cannot get a construction loan to rebuild they have damaged our credit from all of this.
HOW CAN WE MOVE ON WITH OUR LIVES AND REBUILD A NEW HOME IF A**HOLES LIKE THIS DAMAGES OUR CREDIT. We are still waiting to get a loan and we are still told no. So we are now applying for a federal grant. These people need to wake up and smell the coffee and get their act together and not cause so much problems.
Penny
Pittsford, Michigan
U.S.A.
Back on January 23rd, 2004 we had a house fire it was a total loss. Our children were being raised in this family house they were the 5th generation living in the old farm house. Shortly after the fire we reported to Citifinancial that we lost our home to a fire and asked if there was a grace period that is involved with this company due to the fact we lost the house to a fire and what kind of insurance do we have on the mortgage for this.
Their response is I am sorry since you are not on the loan we are not authorized to talk to you. Your husband has to call and speak to us. Ok now we are getting extremely mad. I put my husband on the phone and then gave him a list of questions about insurance on the mortgage and they told him we did not have any insurance on our mortgage also there was no grace period in stopping the payments they had to be there on the date they were due or else.
Ok now we are feeling like we are smacking our heads against a brick wall. We settle with the home owners insurance and then we paid in full the mortgage In April then in May we go to the bank to get a construction loan to be able to build a new home since we did not have the amount of home owners insurance we thought that we needed.
The bank proceeds to tell us there is a red fraud alert on our credit report some dumb idiot at Citifiancial Mortgage reported my husband as DEAD to the credit bureau and then I called they told me I am sorry we can not talk to you since you are not on the loan, I put my husband on the phone and he is so mad he could spit nails they told us they do not have any idea on who how it was done but they needed proof faxed to them so they could take care of it right away, but it will take them up to 10 days to report it to the credit burearu and they could take up to 30-more like a year to clear it.
Well we are so mad by now it is causing so much stress. We are not eating well, not sleeping well, yelling at everyone even our 2 children and all of our close friends and coworkers and this is not very good on any of us. So for the whole month of May nothing had changed.
We contacted a lawyer he never heard of such a thing and had no idea how to proceed on this, then we keep looking for someone to help well I am taking Sm. Business Management college studies and this is where I learned about the FTC(the Federal Trade Comission) they help us consumers when the ppl fraud against us like Citifinancial has done. Then when we left the lawyers office highly P****d off because the lawyer had no idea how to correct this stupid mistake I screamed fine I will just contact the goveners office in Lansing,MI and proceeded to tell them about all of the stupid s**t this company did.
Boy oh boy did they goof they now had to clear the mistake through the credit bureaus but send us a letter that we are sorry but that is not all the stupid idiots now have my husband reported as late on the mortgage we no longer have and we still cannot get a construction loan to rebuild they have damaged our credit from all of this.
HOW CAN WE MOVE ON WITH OUR LIVES AND REBUILD A NEW HOME IF A**HOLES LIKE THIS DAMAGES OUR CREDIT. We are still waiting to get a loan and we are still told no. So we are now applying for a federal grant. These people need to wake up and smell the coffee and get their act together and not cause so much problems.
Penny
Pittsford, Michigan
U.S.A.
1 Updates & Rebuttals
Shannon
Anonymous,North Carolina,
U.S.A.
In your words
#2UPDATE Employee
Thu, October 07, 2004
Please don't blame the country's largest financial services corporation for the fact that you didn't choose to buy payment protection insurance on your home. I see this happen every day. We let the customer know that optional payment protection insurance is available, and it is the customer's choice to buy it. Some people never need it, but when they do need it, and didn't purchase it, all of a sudden it's our fault. Because we supposedly didn't offer it. Why wouldn't we? Besides that, you stated that your house burnt down... that's homeowner's insurance, not mortgage insurance, and you did have homeowner's insurance. The "mortgage insurance" you referred to only covers life, disabilty, and involuntary unemployment. As sad as it is, what banks are looking at is the fact that should an emergency arise, and in your case, it did, you do not have adequate savings to continue to make your house payment. This is why you cannot get a loan. And it was a stupid mistake that your husband was supposedly reported as dead. CitiFinancial could not/would not do that. Have you requested a copy of the credit report? The fraud alert is very simple and can be cleared with a phone call. Call Equifax at (800) 685-1111. Best of luck to ya.
