Emotionally Exhausted: I Cry Myself To Sleep Every Night

CitiMortgage made a clerical error on my Hardship Assistance Loan Forebearance which has cascaded into a complete morass which no one at CitiMortgage can seem to untangle.  I need help, and I need it FAST. Since CitiMortgage won't escalate my case, I feel backed into a corner. I'm going viral on the Internet (Twitter, YouTube, Blog) this week unless someone at CitiMortgage can help me.  I have a history of getting on TV and will drag CitiMortgage through the mud for what you've put me through for the past 8 months unless SOMEONE at CitiMortgage takes the time to make this RIGHT!  I am totally at my wits end. I am emotionally exhausted and sad and angry.  I'm not ashamed to admit that I cry every day at the thought of being forced from my home by ShitiMortgage.  BEFORE calling ShitiMortgage Hardship Assistance Department, I had perfect credit.  Thanks to errors made by ShitiMortgage employees, my credit score has been destroyed. If I could afford a lawyer...

Total pages of paper mailed between me and Citimortgage: 100+

Total HOURS on the phone: 8+ (@ my rate of $25/hour=$200) An ENTIRE work day just to try to get the mess you created sorted out!

Total cellphone minutes used at PEAK rates: 480 53% of my monthly

minutes (I have the phone records to break this down by month or week

if you like)

Total amount CitiMortgage got from bailout: Citibank accepted $45

billion in bailout money under the TARP program (NY Times)

http://www.recovery.gov/?q=content/accountability-and-transparency

85 page PDF of TARP crap

http://www.citigroup.com/citi/fin/data/1q09_datareport.pdf?ieNocache=276

http://www.citigroup.com/citi/fin/

http://www.citigroup.com/citi/citizen/index.htm

MY KEY POINTS:

CitiMortgage has ONLY ONE way to communicate: by phone. You have THREE

(3) phone numbers - India/Collections/Hardship Assistance/Loss

Prevention

CitiMortgage has TWO (2) computer systems - One can NOT be seen by the

India Call Center. One system cannot "see" or recognize the other

system

Contact Us: [unless you are already a customer]

http://www.citimortgage.com/Mortgage/Home.do?page=contactus&td=id19114189|1

It is IMPOSSIBLE to contact anyone at CitiGroup who is actually HELPFUL.

late NOV 08

• I call Hardship Assistance and ask for help. I'm told there is NO help for me because I'm being pro-active. If I were already irresponsible and in debt or foreclosure I could be helped.
• Because I have been a responsible customer who has NEVER made a late payment, you can't help me. 
• I am told, though, to "go ahead and TRY to submit the paperwork and see what happens."

DEC 08

• Submit paperwork and told someone will call me back
  

JAN 09

• Call to follow up since no one called me back
  
• Told I can't be put on program if my mortgage payments are current.
  
• Told to NOT pay Feb mortgage and re-apply.
  
• http://www.huffingtonpost.com/2009/01/27/obama-officials-tells-cit_n_161202.html
  
• http://thecaucus.blogs.nytimes.com/2009/01/27/geithner-cracks-down-on-bailout-lobbying/?scp=2&sq=citibank%20bailout&st=cse
  

FEB 09

• Reapplied over the phone since Dec paperwork is now 2 months old (because no one called me back)
• I arranged for first payment - made it (in full and on time by Feb 8)
  
• I submitted signed paperwork agreeing to a repayment plan (mid Feb)
• I mailed my MARCH 09 payment Feb 20 by check to ensure that it arrived by March 1
  
• CitiMortgage cashes the check and applies it to the wrong month (February) COMPUTER GLITCH #1
• http://online.wsj.com/article/SB123578492279598531.html "Too big to fail, too big to succeed."

MAR 09

• Collection calls start immediately
  
• Told by Hardship Assistance to "ignore calls and letters"
  
• Collection calls reach 3 per day for 4 days consecutively
  
• Told by rude collections man, "We will call you as many times as is legal."
  
• Contact State Attorney General and CitiMortgage to stop illegal avalanche of collections calls
• Call later to ask about collections harassing me and put on "do not call" list by Hardship Assistance
• This act FREAKS OUT CitiMortgage computer causing weekly letters, some sent certified mail that I had to sign for
• All to tell me (erroneously) that I am behind on my payments
  
• BUT NO CALLS FROM ANY COUNSELOR
  
• and NO correspondence from CitiMortgage that a) ANY of my payments have been received or applied to my mortgage nor b) advice on what next steps to take in this process.
• Regular monthly statements stop arriving.   Only harassing collection letters which DO NOT reflect correct information.

APR 09

• Collections continues to harass
  
• I call AGAIN
  
• "Global financial services major Citigroup Inc, which was on brink of collapse till recently, has made a dramatic turnaround by recording a profit of $ 1.6 billion for the first three months of this year," reports the press.  Great for you!
• I am told again to just ignore the avalanche of calls and letters from collections

MAY 09

• More harassing letters in duplicate
  
• I call AGAIN and am told that I have been dropped from the program for non-payment and I could try calling the FHA directly
• I have canceled checks or Chase bank paperwork that shows EVERY payment made 100% on time or early
• I'm told that my case worker counselor was supposed to contact me, but he never did.  He may no longer be employed by CitiBank.
• I leave 2 VMs over 2 weeks, and call Monday of THIRD week and speak to someone unhelpful who transfers me to same VM where I've left two detailed messages already.
• Lady (counselor) calls me back to tell me I've been dropped from the plan for non-payment, which infuriates me because I have paid and have the canceled checks to prove it. She rudely cuts me off and says she has to talk to her supervisor. [I have this call on videotape]
• So I immediately call back Hardship Assistance and get Greg who is nice and helpful and says that I am back on the plan, but that there probably isn't enough time left to figure out a renegotiation before the end of the loan forebearance term is so close to being up (on my original agreement which I am still honoring)
• With about 36 days before the end of my agreement, CitiMortgage tells me again that I should call the FHA.  here's their number, bye. [I have this call on videotape as well]
• http://www.tradingmarkets.com/.site/news/Stock%20News/2351143/
  

JUNE 09

• More threatening letters telling me AGAIN that I've been dropped by the program for non-payment!
• The clock is ticking!! I have 30 days to pay a $1420 tax bill and a $4500 CitiMortgage balloon payment which was SUPPOSED to be worked back into my loan renegotiation!
• Where's the tax payers recovery money going?

JULY 09

• ???