Single Mother and Disabled Vet Fights CitiMortgage Foreclosure, Insists She Made Payments
“Ms. Howard, we see the problem,” she said. “That’s what they’ve been telling me since 2010.”
Single mom, and disabled military veteran Anita Howard only thought her biggest battles were behind her. She’s now drowning in a sea of paperwork and debt she didn’t know she had, and doesn’t believe she should.
Her dining room table, covered in files, the number would rival any attorneys documentation of a case. Bank statements from 2009 documenting her payment history on her home’s mortgage, laying out a case in black and white when she’s stuck solidly in the gray.
“I paid them my loan every month, and it is anarchy on my loan,” she said.
In 2010, Howard initiated a loan modification with CitiMortgage, and that’s when her problems began. According to Howard, during the loan modification period, she was told payments weren’t to be made. However, she did make them, just to be safe, and Citi told her that money would be put into an account and applied to future payments on principal, interest and escrow.
“I should have one loan payment going in and applied,” she said. “I have all this activity on my loan, it’s like a cash register.”
Possible Financial Mismanagement?
For example, the account holding money to be paid on her mortgage, only accessible by Citi, showed withdrawals to pay construction companies and miscellaneous expenses.
One statement shows the payment being made to a home siding company, but Howard’s home is brick. No siding was ever installed or purchased. A different copy of the same statement, sent to Howard by Citi, shows that same payment on the same day going to a completely different company. Howard said she has never heard of either of the entities.
“It has been emotionally and financially devastating,” she said. “This is embezzlement. Someone is stealing my money. And there’s no controls, there’s no accountability. No one is standing up for the consumer.”
Another instance of financial mismanagement, according to CitiMortgage, another department within the bank’s infrastructure had reversed four of Howard’s mortgage payments. That money never was credited to her checking account, and it was never applied to her mortgage.
“I don’t know why those payments were reversed. It was only mentioned to me in August of 2012 that they had been reversed in October 2010,” she said. “I didn’t need them to reverse the payments. I was making the payments. I still haven’t gotten an answer on why that happened.”