On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is to me. 
