Citibank actually helped me out
I have student loans with them, no problems at all with those, and the "help" they gave me was this:
I have an illegal operation trying to collect money from me. Some "past credit card bill". Uh, I do NOT use credit cards and have not for YEARS.
(and all of those were PAID OFF and closed out.)
Citibank CSRs helped me out with this by going over my credit reports carefully and they said there is NO credit card debt showing anywhere. (I asked
them to look as I did not want to buy any credit reports and I knew they had access to all of them. Also, I feared ID theft - which - how can I know
what is going on, that I don't know about - if you get me.) The Citibank CSRs were very helpful on this for me.
Maybe you, or your attorney, could try calling Citibank and getting ahold of a good person to work with? Banks do NOT want foreclosed houses - they
make much more $ by continuing servicing the loan.
Maybe even go to a local Citibank branch and ask to speak with a loan officer. I have found that one often gets better results in person.
Be calm and businesslike and the person will be sympathetic. They WANT your business - not a foreclosed house on their books that they will LOSE money
You might just be trapped in some loop of mistakes that the right person can straighten out quickly. You might even get more than you ask for.
I've had very good experiences with Citibank and I plan to buy more property and possibly even start a business - and I was planning to go to
Citibank for these things (loans) because I felt they were very professional and went out of their way to help me with something that they really did
not have to. They have always been very courteous and willing to work with me on the student loans / various modifications when I was strapped for
I've had nothing but positive experiences with them.
On an unrelated note - I also had some issues with the IRS in the past. Big problems over THEIR mistake. I got nothing but run around and more mess
from the office I was dealing with. I decided to call a different office - and it was like night and day! The problem was corrected almost
This might be the case with you, too. Try a different approach and different people at Citibank. Worth a shot anyway.
My guess is that your attorney will try this approach too for starters.
I hope you can get it all resolved. Remember, the people folks like us deal with at banks are just "workers" and not the big honchos out to screw
people. Another positive about Citibank - their CSRs are in the US - they have not "offshored" these jobs. I like that
And they are very
courteous and professional too.
No, I do not work for them
(And I am very ANTI "Big Biz" usually! It takes quite alot for a Big Biz to impress me.)
Just some thoughts, good luck with it all.