XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
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