Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate. 
