In May of 2012, I was in a car accident.After that My husband approached Citi to try to have the mortage renegotated because he was having to assume all of the bills. Citi was only willing to offer him deferments as a solution. In the early part of 2013 Citi staff began calling our home. I called them back to find out what was happening. I was told they could not talk to me. I explained that I was the wife,co-owner of the property. That I had been in an accident.My husband was having to carry the full load of financial responsiblity since I could not work. I informed them that I was the co-owner and that this was bizarre that they could not talk to me as I was the co-owner. “I needed a letter/note from my husband”.”Because,he was the primary person on the account. I have sent letters to Citi on several occassions about this situation. I sent a copy of a consumer letter where my husband had requested change in mortage payements. All the while Citi would send letters saying they wanted to help us, want to work with us.The only thing thay where willing to offer was deferrement. short sales,of a leins deed,foreclouses. The paperwork they would send out would say mortage payments could be renegotiated. When in reality that was never an option. I was eventually informed because I was not originally put on the orginal mortage that was not an option for us.Despite, the numerous letters that they sent out that said that refiniancing was an option.They did not clearly ever in non legal terms ever inform me that Citi was taking my rights away. They did not inform us that we could not renegotate or have payments altered unless both partners where included on the mortages. All Citi has shown any seriously interest in was selling our house out from under us,deferrment, or foreclosure,or leins deed. To make matters worse. Even though I was not considered “a primary barrower” and “someone they could not communicate with on decisions”. Now, that I am approaching the point where I am beginning to start being able to be employed again. I found out Citi dropped two negative credit reports on my credit rating.Citi can’t talk to me. But, they can disregard my wishes,they can take my home, and damage my professional status, and employablity. .
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