Complaint Review: citifinancial mortgage co - the lakes Nevada

Citifinancial Mortgage has become or always has been a predatory lender. They now want out of leaning money altogether so they are doing whatever they can to "GET" rid of us... I never had a problem until a year ago last Jan. when the company "So Call" restructured... My local branch in now over a hundred miles away, they never sent me a invoice for the first month, and after that they send them so there isn't enough time to get them back in time... I can't get any interest taken off my principal. ... I sent a par. payment in Oct. and then paid over $1000 in Nov. to catch up. They said I missed the whole payment, the interest compounded daily and the par. payment they used up as a "FINE" ... I can never get caught up. Then they told me I was a full payment behind and they were foreclosing, I wasn't even 30 days over... Here in Maine you have to be 120 days in a row behind before they can.... I did try to get help, but they will not work HUD and they lie tell the are will to remodify.. but after you pay the fee for the remold. it never goes though... THEY DO CHECK your credit all the time and lower score.... Now that they want out, and they are being told to leave the State Of Maine because of the lending scams, they are trying to force me to take a different loan with another company that is just as bad as they are.... I can't take much more.

I pay my mortgage, my taxes are pay.... Just leave me alone... The house needs so much work I wanted to gut it and start over, they said NO I couldn't do that... I also have a 1988 trailer on the same piece of land, that my parents lived in, I wanted to change that out for a better one, Citi said I can't do that either.... They just want me out!!!! I can't go I have no place to go to and now that they have conned so much money I can't afford it... They will not work with any of the Gov. Agencies.. they tell them they are dealing with customer and things are fine, than they tell you that HUD said something different... All they do is lie and cheat ...conned us out "Good Faith" month twice that we didn't have, assuring us the deferment was going though, knowing full well it wouldn't .... I am sorry for all the miss spelled words & I know this is hard to read, but I'm sure you get what I mean. THis company needs to be shut down... OH WAIT THAT's they are not going to be lending anymore Money to Consumers.... I guess there cheating ways & also pairing up with JP Morgan caught up to them... It's sad the we are the ones that going to pay the price, because they don't want to wait until our montages are paid off so they are stealing our homes so they can get us out of them and sell them .... So NICE to LIVE IN AMERICA were the GOVernment bails  Big Banks Out & they turn around and STEAL FROM US, AND IT'S ALL LEAGLE....

I don't want a bail out I want to keep paying my house payment and be left along d**n it, you get your money every month so get off my back, stop trying to take my house .... I want to do what I need to do to make my home better so I live it in it safely... Until I choose to Move, not be forced out because some company Giant made bad deals because they are greedy ....

Why do they get away with it this, is what you asked? Because "Big  Business Can't Fail" remember that saying? They bailed out now they are bailing on us... Citi told me today "We are not doing anymore Mortages we are getting out, we are getting rid of the 150 that we have left in Maine... They have been trying to steal my home because my income took a hit, my needs a lot of work... But they don't care ... They will dump it as fast as they can get me out. They are making s**t up at this point, saying I didn't my insurance, Oh and heres a good one "mistakenly" taking a second payment from my checking account, cos'ing a big problem with my bank.... They know I have disabilitys and go out of their way to push me over the edge. Its sick, something really needs to be done, people  need to be procted from these company's .... Sorry getting off the soap box ....

You might be interested in knowing ALL home mortgages work that way!  Interest is paid down first.  It is STANDARD PROCEDURE and called amortization.  However, I suspect you haven't a clue about any of this in the first place!