My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch. 
