Complaint Review: citifinancial - knoxville Tennessee

My problems began when I was behind in payments. That was my fault. But when you go to CitiFinancial and explain your problem and work out an agreement, you might as well have never talked to them in the first place. They will change the dates, amounts agreed upon, and requested paperwork - from one day to the next. Then the rep will be just short of accusing you of lying when you confront them - knowing full well who the lying party is. When you are having problems with CitiFinancial, don't count on the customer service reps. They have no clue what they are doing and have no intention of keeping their promises and agreements made on the phone. Don't even think of asking for something in writing. They make politicians look like honest upstanding citizens. Broken promises and double talk. Like most people on this forum, I could give you names, dates, and all the lies. If you have an agreement with a phone rep, you really don't. All you can do is pay the blood money and pray. God's grace and mercy to all who are unfortunate enough to hold a loan by CitiFinancial.

I am a current employee of Citigroup and work in a customer service call center. First I would like to say that it is very hard for a borrower to not know that they are behind on thier payments. We send several notices and when the foreclosure process starts, one of our attorney's contact the borrower. Second, according to the mortgage documents, the borrower is in default after three months of non-payment. This borrower admitted that she was $2000 behind and her payments were $700 a month. Cleary that would be 3 payments behind and probably added late fees. There are many "fail safe" steps in the foreclosure process. For example, when the loan is referred to foreclosure an actual review board goes over the loan to be sure the borrower has been given every chance to pay. Further it is not in the banks best interest to foreclose as it can be very costly and lengthy(there are many laws which protect the borrower in foreclosure) they even have the oppurtunity to go to court in front of a judge. In this borrowers case, it seems as though they didn't take the default that seriosly. As another rebuttal comment says, you have to know that if you don't make your payments you can't stay in the house. My suggestion is to make sure all your bills are paid on time regardless of your situation.

Michael, Unfortunately we see this heartless attitude all too often on this website... usually from the Lender's shills. What is even more disturbing is that in these troubled times these people would take advantage of the disruption to invent ways to steal other's property. We have found one attorney who would act as our "Robin Hood" to these modern-day "Sheriffs of Nottingham." Hopefully we can find one with the "llevos" to take on CitiBank. The political tentacles of this financial octopus is well-documented on this website as well as the depth of their corruption. Disappointingly, there is so much corruption in American Jurisprudence that it is still a case of the richer, more powerful being able to "purchase justice" by influencing judges. This is a whole other arena which we should probably investigate further. Stand by... So, before anybody thinks they can further victimize the victims of bad business, you better know that we ARE the victim's advocate and will stand up for them - especially if they are victims of a trend like this. ED Magedson [email protected]

Did you really need the mortgage company to hold your hand and beg you for your payment? My God!!! Give me a break! You should go back and live with your mommy and daddy and let them teach you about responsibility.

It seems to me that Mary would have been aware that she was not making her house payment each and every month.

Further, it seems astonishing to me that she would be surprised by the fact that her mortgage company would allow her to continue to live in the home while she was not bothering to pay.

Easy solution for this problem on a go-forward basis: PAY YOUR MORTGAGE EACH AND EVERY MONTH AND YOU GET TO KEEP YOUR HOUSE. Simple, Honest and EASY.

It seems to me that Mary would have been aware that she was not making her house payment each and every month.

Further, it seems astonishing to me that she would be surprised by the fact that her mortgage company would allow her to continue to live in the home while she was not bothering to pay.

Easy solution for this problem on a go-forward basis: PAY YOUR MORTGAGE EACH AND EVERY MONTH AND YOU GET TO KEEP YOUR HOUSE. Simple, Honest and EASY.

It seems to me that Mary would have been aware that she was not making her house payment each and every month.

Further, it seems astonishing to me that she would be surprised by the fact that her mortgage company would allow her to continue to live in the home while she was not bothering to pay.

Easy solution for this problem on a go-forward basis: PAY YOUR MORTGAGE EACH AND EVERY MONTH AND YOU GET TO KEEP YOUR HOUSE. Simple, Honest and EASY.