What the hell happened to all the notary publics?!

Aaaaaaalmost done with this whole disgusting, dehumanizing ordeal - that has TAKEN at least 5 years off my life. I hope I freakin' LIVE to pay-off my 30 year fixed mortgage! If I die five years early, it's on YOU ShitiMortgage.  I'm SO tired of being treated like a retard by customer support reps who have NO idea what's going on at their OWN company. I've spent SO many HOURS on the F-ing phone with ShitiMortgage. I'll never get that time back.  This has changed me forever, and not for good or for better.  Anyway, if I could just find a freakin' notary public in my neighborhood.  Ok, I did find ONE, but it was the hell-adjacent WA State Licensing Bureau "outlet" the "office" had decor, stench, and demeanor of a truck stop bathroom in the hot summer sun.  The line stretched out the door.  I wanted to throw up.  I left.  I finally found a notary with whom I am meeting on Tuesday.  Once the papers are in the mail, it should be a done deal.  I'm making copies of EVERYTHING so I have it when it gets lost in transit. Some people call me bitter. I wish! I don't have any energy left to be bitter.  I'm just horribly exhausted. I saved my house for ONE more year. Yay? I used to be successful. Really.

Crawling Toward the Light

FINALLY! there is a light at the end of this 7 month tunnel of depression, anxiety, and hopelessness. I received the paperwork from ShitiMortgage that will finally end months of hours on the phone and threatening letters. They also did contact the credit bureaus to fix my screwed credit. I thank them for that, even though they were the ones who screwed up my credit score in the first place (for THREE months). The offer isn't quite the "Obama Magic Percentage" of my income, but again... it's better than nothing. I'll be transitioning this web site as soon as the ink is dry on all my paperwork. My heart goes out to anyone else dealing with the impenetrable ShitiMortgage customer "service" dead ends.

Bye Bye Money

While I'm STILL waiting for ShitiMortgage to get it in gear (and the clock is STILL ticking, folks!) I'm just thinking about ALL the people's money that got flushed down the drain by the banking industry. Banks used to stand for trust and were "institutions" with buildings that usually looked like the classic Greco-Roman architecture of governmental type  buildings. Bank lobbies were grand and stank of security and reserve. CitiMortgage and its modern day counterparts are like a HUGE speeding train with no brakes. Hang on if you can. It's VERY easy to get shaken off and lost along the way. Banks to me now are like public restrooms. Some people are there to do business, but most people are there to try to get away with something they KNOW they shouldn't be doing. I hope it was worth flushing your image down the toilet, American banks. I hope you tip well at your country clubs and warm, tropical resorts you greedy money-sucking bastards!

Bad Banks Burning Bundles of Bucks

Waiting. STILL waiting. I reached out to CitiMortgage in November 2008 pro-actively to try to avoid making any late payments. CitiMortgage is responsible for taking that HOPE and destroying it. Trying to deal with CitiMortgage for months and months has slowly stripped my faith in any sort of recovery. Banks (at least CitiBank) are still money-sucking bureaucratic black holes.

Try to contact CitiMortgage. You can ONLY call them. They offer no help via email, live chat, or regular U.S. Mail. They put up a wall between themselves and their customers. I can't see what's happening to the hundreds of thousands of my dollars I'm (eventually) paying to CitiMortgage for my home. My home is owned by a faceless mega-corporation who I can't communicate with.  Can I move my mortgage to another company without a refinance? What's to stop my mortgage from being sold by CitiMortgage to another company who's worse (or better)? The longer this process takes, the less I feel like I own my home and the more I feel like my home is a prison created by CitiMortgage.

Another Weekend of Waiting

Ok, I've submitted more paperwork to my CitiMortgage case worker. And, she assures me that the wheels are (FINALLY) in motion to get my mortgage renegotiated to better match my current (and apparently permanent) employment situation. A few of my friends (who are ardent Obama supporters) want to know why I invoke/mention/blame Obama for MY CitiMortgage quagmire.  Here goes: Back in November 2008 as my savings account was dwindling toward zero, I saw President Obama on TV every single day talking about how the BILLIONS of tax-payer dollars were going to help people exactly like me who were laid off through no fault of my own and now can't get a job that pays what I was making before (not for lack of trying). Obama went on a month-long "tour" of the media encouraging those in trouble to reach out.  He promised that the BILLIONS going to the banks, like CitiGroup, would be going to the people.  He said he would make sure that it would NOT be "buisness as usual" at banks bailed out with tax-payer dollars.  Well, CitiGroup/Bank/Mortgage has shattered that promise, and I'm pretty sure if Timothy Geitner would scratch the surface of the other banks (Chase, BOA, etc.) he would find thousands -- if not millions -- of customers treated like utter crap by big banks because they still can.  I appreciate the help that CitiMortgage is now being forced to give me because I threatened them to go viral with their social irresponsibility, BUT I don't believe that I should have had to endure 7 months of UTTER HELL being relentlessly harassed by my mortgage holder for THEIR mistake.  Mr. Obama better wake up and realize that EACH bank needs a FEDERAL watchdog to ensure that PEOPLE are being helped NOT bank executives and worthless employees who just parrot what the computer tells them to (in India no less).

A Glimmer of Hope

My barrage of email bombs yesterday struck gold (or at least hit something)! Karen Turner is my contact/"supervisor" in the Dept. of Executive Screw-ups.  She assigned me to Trisha (I think. Her name was garbled.) in the Exec Response Office.  I've gotten their attenion, now can I get them to LISTEN to me and HELP me? Details to follow.  I'm hopeful but doubtful.

1:20 PM UPDATE: Made the call. STILL got some phone-tree run-around, BUT eventually got in touch with my NEW counselor, Tisha. I know I've said this before, but I have a good feeling about this.  She SAID that she's going to rush my application through next week if I can get her paperwork tomorrow, which I can totally do!  She also said that she'll look into repairing my credit.  Hopeful!  Hopeful!

ShitiMortgage Thinks Bush Is Still Handing Out Free Money For Social Irresponsibility

When I was blind-sided by a layoff from the company I had spent 6 years building from 200 customers to thousands: December 2004 (right before Christmas) with no severance

When I found a part-time job without benefits that aaaalmost paid enough every month: July 2005

Period of time when I struggled to cover all my payments every month on time: July 2005 to Sept 2008

When I realized I was headed toward financial insolvency due to plummeting property values and soaring gas prices: Oct 2008

When I applied to the ShitiMortgage Hardship Assistance Program by certified and return receipt mail: Nov 2008

When I reapplied by phone because no one called me about my first application: Jan 2009

When I started the ShitiMortgage Hardship Assistance Program: Feb 2009

When ShitiMortgage FIRST screwed up my account: Feb 2009

Late payments I made BEFORE Feb 2009: o (zero)

When ShitiMortgage threw me out of the ShitiMortgage Hardship Assistance Program due to late payments: April AND May 2009

Late payments SINCE Feb 2009: o (zero)

Total number of e-debits and canceled checks I have that show ShitiMortgage cashed my checks on or before my due date 100% on time or early: 5 (of 6 due so far)

Total pages of paper sent by mail between me and ShitiMortgage: 100+

Total HOURS on the phone: 8+ (@ my rate $25/hour=$200) That is like missing an entire day or work just to deal with the help from the ShitiMortgage Hardship Assistance Program

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

Total amount CitiMortgage got from government bailout: "Citibank accepted $45 billion in bailout money under the TARP program" (NY Times)

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

Mr. Obama and Mr. Geitner, CitiBank/CitiGroup is behaving like George W. Bush is still President. They are NOT showing social responsibility.  They are trying to steal my house.  Please help me! I have cancelled checks, signed documents from CitiMortgage, phone records, copies of letters to the Washington State Attorney General, and the name of EVERY CitiMortgage employee I spoke to over the 7 month (so far) ordeal trying to get help. CitiMortage's behavior in this doesn't fulfill your promises of accountability and transparency.