I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud. 
