- Report: #73714
Complaint Review: Citifinancial Mortgage - Coppell Texas
-
Author Not Confirmed
Why?
Citifinancial Mortgage
1111 Northpoint Drive Coppell, 75019 Texas, U.S.A.
Phone:
800-848-7491
Web:
N/A
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Business Rating:
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Citifinancial Mortgage, Citifinancial ripoff, dishonest, fraudulent, harassing, deceptive, threatening Coppell Texas
*Author of original report: Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
*Author of original report: Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
*Author of original report: Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
*Consumer Suggestion: if enough consumers write to them, Citifinancial will be under investigation for their practices
When Citifinancial took over Associates in a settlement with the FTC in 2002, we were not informed, until we began receiving threatening letters. We had standing payment arrangements with Associates for many months, which actually put a few months way over our payment. The overage was to go to principal..
When I'd call in response to the threatening letters and calls, I was told repeatedly to disregard these, as we had different arrangements and these were computer generated, and we were in good standing. Finally I got tired of calling, talking, etc, and quit calling or answering calls. Then, in April of this year, I finally answered the phone, to be told that that payment arrangement was never ok, and their system wouldn't even accept that arrangement, and therefore, all of the months prior, instead of getting ahead, the late fees had "accumulated" daily, she said.
She also stated that there was no record of our mortgage prior to June of 2002. Yet, this is the same company which took over our previous mortgage company and was trying to hide this info from us. When she finally manipulated my husband into sending a huge amt. of money we didn't owe, via Western Union, he in return demanded a printout of our payments, itemized. When we received this, it went all the way back to May of 2001???
Then, when I got 1.5mos behind, owing half of Aug, and all of September, I was called again, the last week of Sept, and told that I owed all the way back to half of July. When I responded that I had documentation to prove otherwise, she immediately responded that I still owed a little less than half of Aug?????!! Then demanding it all be sent Western Union to guarantee it would get there before they forclosed, and again my husband did.
Then, one week later, as had been usual every month, we received a threatening letter, and I simply responded with a letter, informing them I'd be sending one with all of their violations, my documentation, and my requests, along with a nice request for any ideas they may have of resolving this. I sent another letter, with signiature verification required, and included that I would not be participating in any further telephone conversations, and that any further contact must be in writing, as they have not kept any agreement, and requested a response in writing...
Almost a month later, and I still receive 4-6 calls daily, starting as early as 7:30am Sunday mornings, and from 3 different numbers, and not a single written response, only more computer generated threats even after 1 month late.
Krista
Mansfield, Texas
U.S.A.
When I'd call in response to the threatening letters and calls, I was told repeatedly to disregard these, as we had different arrangements and these were computer generated, and we were in good standing. Finally I got tired of calling, talking, etc, and quit calling or answering calls. Then, in April of this year, I finally answered the phone, to be told that that payment arrangement was never ok, and their system wouldn't even accept that arrangement, and therefore, all of the months prior, instead of getting ahead, the late fees had "accumulated" daily, she said.
She also stated that there was no record of our mortgage prior to June of 2002. Yet, this is the same company which took over our previous mortgage company and was trying to hide this info from us. When she finally manipulated my husband into sending a huge amt. of money we didn't owe, via Western Union, he in return demanded a printout of our payments, itemized. When we received this, it went all the way back to May of 2001???
Then, when I got 1.5mos behind, owing half of Aug, and all of September, I was called again, the last week of Sept, and told that I owed all the way back to half of July. When I responded that I had documentation to prove otherwise, she immediately responded that I still owed a little less than half of Aug?????!! Then demanding it all be sent Western Union to guarantee it would get there before they forclosed, and again my husband did.
Then, one week later, as had been usual every month, we received a threatening letter, and I simply responded with a letter, informing them I'd be sending one with all of their violations, my documentation, and my requests, along with a nice request for any ideas they may have of resolving this. I sent another letter, with signiature verification required, and included that I would not be participating in any further telephone conversations, and that any further contact must be in writing, as they have not kept any agreement, and requested a response in writing...
Almost a month later, and I still receive 4-6 calls daily, starting as early as 7:30am Sunday mornings, and from 3 different numbers, and not a single written response, only more computer generated threats even after 1 month late.
Krista
Mansfield, Texas
U.S.A.
4 Updates & Rebuttals
Noelle
Menasha,Wisconsin,
U.S.A.
if enough consumers write to them, Citifinancial will be under investigation for their practices
#2Consumer Suggestion
Sat, January 03, 2004
My husband and I also have a lot of the same problems with Citifinancial Mortgage as the customers who wrote letters. We also have been receiving threating calls. We have had our payments refused. When we asked questions, we were told that we were agrumentative. Somehow our 15 year mortgage with a balloon payment became a 30 year mortgage. To top all that off, when we requested a copy of our account history and a copy of our loan with them, we were told to call customer service. So I called an attorney. The attorney told me that his company doesn't handle cases like ours, after I explained what was happening. Now I was at a loss as what to do next. I was going through my loan files that I have at home and I came across this info: The following federal agencies are responsible for enforcing the federal Truth in Lending Act, the law that governs credit term disclosure for home equity lines. Any questions concerning compliance with the act by a particular financial institution should be directed to its enforcement agency. Mortgage Companies to Division of Credit Practices Bureau of Consumer Protection Federal Trade Commission 601 Pennsylvania Avenue,N.W. Washington, D.C. 20580 I am sending them a letter with all correspondence to Citifinancial. Maybe if enough consumers write to them, Citifinancial will be under investigation for their practices. I hope this info helps someone else.
Krista
Mansfield,Texas,
U.S.A.
Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
#3Author of original report
Mon, December 29, 2003
Now, they've gone as far as to call my mother and mother-in-law, a number of times, and have even tried to tell my mother that ALL money paid in goes to INTEREST ALONE, for the first 15 YEARS. They have even lied about when they (this one person) began contacting us. Lastly, when I sent them my complaint in writing, certified mail, they did not respond in the 20 days with notice of receipt of the complaint or in the 60 days of "fixing" the error, both of which they are legally obligated by the RESPA laws. They only sent me a threat of foreclosure. They have called from MANY different numbers, including a wireless, ALL of which are "blocked", and have even called on Sundays, and as early as 7:30a.m I have contacted an attorney, who told me that there are so many violations here, that they were not capable of handling the SIZE of the suit, but would help me find one who could. The Texas Attorney General, has informed me that he has forwarded my information, along with a personal request by him, to them, for them to investigate the matter. I have also learned of the EXTENSIVE amount of damages which are alloted to those who have had these violations against them, and can prove it in a court of law. My only current problem, is that we are in the process of refinancing, and I was told by the attorney, that if we could at all come up with the $2000. that they are demanding, before they foreclose, try to, or we can get the "action" going, it would probably be in our best interest, and would be more than compensated when we finish, and would help the refinance go through faster, as without it, Citi, may find a way around giving the new company a "payoff" amount..
Krista
Mansfield,Texas,
U.S.A.
Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
#4Author of original report
Mon, December 29, 2003
Now, they've gone as far as to call my mother and mother-in-law, a number of times, and have even tried to tell my mother that ALL money paid in goes to INTEREST ALONE, for the first 15 YEARS. They have even lied about when they (this one person) began contacting us. Lastly, when I sent them my complaint in writing, certified mail, they did not respond in the 20 days with notice of receipt of the complaint or in the 60 days of "fixing" the error, both of which they are legally obligated by the RESPA laws. They only sent me a threat of foreclosure. They have called from MANY different numbers, including a wireless, ALL of which are "blocked", and have even called on Sundays, and as early as 7:30a.m I have contacted an attorney, who told me that there are so many violations here, that they were not capable of handling the SIZE of the suit, but would help me find one who could. The Texas Attorney General, has informed me that he has forwarded my information, along with a personal request by him, to them, for them to investigate the matter. I have also learned of the EXTENSIVE amount of damages which are alloted to those who have had these violations against them, and can prove it in a court of law. My only current problem, is that we are in the process of refinancing, and I was told by the attorney, that if we could at all come up with the $2000. that they are demanding, before they foreclose, try to, or we can get the "action" going, it would probably be in our best interest, and would be more than compensated when we finish, and would help the refinance go through faster, as without it, Citi, may find a way around giving the new company a "payoff" amount..
Krista
Mansfield,Texas,
U.S.A.
Citifinancial Mortgage, Lying, Theft, cooersion, manipulation
#5Author of original report
Mon, December 29, 2003
Now, they've gone as far as to call my mother and mother-in-law, a number of times, and have even tried to tell my mother that ALL money paid in goes to INTEREST ALONE, for the first 15 YEARS. They have even lied about when they (this one person) began contacting us. Lastly, when I sent them my complaint in writing, certified mail, they did not respond in the 20 days with notice of receipt of the complaint or in the 60 days of "fixing" the error, both of which they are legally obligated by the RESPA laws. They only sent me a threat of foreclosure. They have called from MANY different numbers, including a wireless, ALL of which are "blocked", and have even called on Sundays, and as early as 7:30a.m I have contacted an attorney, who told me that there are so many violations here, that they were not capable of handling the SIZE of the suit, but would help me find one who could. The Texas Attorney General, has informed me that he has forwarded my information, along with a personal request by him, to them, for them to investigate the matter. I have also learned of the EXTENSIVE amount of damages which are alloted to those who have had these violations against them, and can prove it in a court of law. My only current problem, is that we are in the process of refinancing, and I was told by the attorney, that if we could at all come up with the $2000. that they are demanding, before they foreclose, try to, or we can get the "action" going, it would probably be in our best interest, and would be more than compensated when we finish, and would help the refinance go through faster, as without it, Citi, may find a way around giving the new company a "payoff" amount..
