Nancy Gosselin cannot understand why CitiMortgage is about to foreclose on her St. Louis Park house. Neither can her local banker or the Minnesota attorney general.
At the heart of the dispute is a single monthly payment of $584 that CitiMorgage says she failed to make more than two years ago, according to the attorney general's office. Gosselin says she made all her payments. A loan officer at Bremer Bank agrees. The attorney general's office, which says it can't get a straight answer from CitiMortgage, has urged the mortgage giant to stop the foreclosure and work out a deal.
But the fallout from the alleged missed payment has been a series of cascading late fees and penalties and refused payments that has culminated in CitiMortgage's threat to auction Gosselin's home at a sheriff's sale Dec. 2
"I did nothing wrong. This is very frustrating," said Gosselin, standing on the sidewalk last week in front of her house on Xenwood Avenue S.
Gosselin gave CitiMortgage permission to discuss her case with Whistleblower. But Mark Rodgers, director of Citi public affairs in New York, declined to do so "due to privacy considerations."
"Generally, if an account is in the foreclosure process, we cannot accept less than the full amount needed to bring the account current, unless a work-out plan is developed," he said. "We encourage customers in such situations to get in touch with us directly to see what options may be available to them."
She tried. For nearly two years she repeatedly wrote CitiMortgage memos arguing that the company was mistaken in its late fees. CitiMortgage never budged.
Stephan O'Connor, a loan officer at Bremer Bank, reviewed Gosselin's records and disputed CitiMortgage's claims, writing that Gosselin "has provided all of the proof that her payments were made and made on time."
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