Complaint / review text:
3rd major negative occurrences; numerous minor (thought many would consider major, after my 3 majors, I classified these as minors) occurrences.
Occurance 1:2.5 years ago, failed to pay my property taxes for 1 year when I was paying my mortgage payments with an escrow acct for my insurance and taxes. Property was about to go to tax sale and that's how I found out (through my county, not my mortgage company).
Occurance 2:2 years ago when they performed an inspection on our home (which they claim they do on all their mortgaged properties on a routine yearly basis), that our home was vacant, when in fact it was clearly occupied. I never received any notification of this and they cancelled my homeowners insurance which was escrow into my mortgage, of which I was still paying (mortgage payments). I didn't find out about this until my homeowners insurance company contacted me about it being cancelled. Citimortgage never sent me anything about my home thought to be vacant, nor did they send me anything about cancelling my insurance. Even after rectifying the issue with Citimortgage. I was still stuck with the additional costs of my homeowners insurance costs increase due to lapse in coverage (which my mortgage company cancelled). Citimortgage did pay the additional premium amount, but I still paid it in the end because they calculated the additional premium increase rate into my next years mortgage amount raising my mortgage payment an extra $70 a month.
Occurrence 3:2 days ago, a locksmith came to our house to change the locks on our doors indicating that our home was on a list provided by Citimortgage that the home was vacant or foreclosed (which it was not, I was only 16 days late with my payment). When contacting them, they indicated that when once again they were performing their routine yearly inspection on their mortgaged homes, that our home was classified as vacant.
Hello... What is going on. My house is clearly occupied. Grass is mowed, there is a children's swing set, new front door, freshly planted grass, a light on in our house at all times. What more do they need; A permanent sign placed in the yard that says, Home Occupied, with large neon arrows pointing to it? I have a family which includes 2 small children who are only 4 years old and 9 months old. What if were were locked out of the house. It is winter time in Indiana for goodness sake. Besides that, isn't there some sort of policy or procedure or law that indicates that they should follow. Why can they 1 time just cancel my insurance and the other not cancel my insurance and just change out the locks.in addition, if I am paying my mortgage payment with escrow, why does it matter if were currently occupy the home, occasionally occupy the home, or never occupy the home, I'm still paying for it. There are many smaller occurrences but way too many to list.