31 May 2009
Attn: Tax Department
Reference: Account Number 200XXXXXX
Subject: Nonpayment of Real Estate Taxes for 2008 from My Escrow Account
Dear Sir or Madam,
On my Statement of 12/04/08 (Attachment 1), I was informed that $352.51 was paid for county tax on 11/12/08. Since I knew this was the wrong amount (the correct amount was $2649.21), I called the 800 number and talked to someone (in
I called again and received the fax number of the CitiMortgage escrow department. I gathered the information together and faxed it to the escrow department on 12/18/08 together with a request that my taxes be paid. A subsequent check with the Collector revealed that my taxes still had not been paid. I called again and was requested to re-fax the information, which I did on 12/30/08. Still, nothing happened, and the Collector mentioned that she still had not been contacted by CitiMortgage.
After calling several more times, I received at least two letters from CitiMortgage informing me that they were conducting research into the matter and would need more time. Nothing ever resulted from these letters. Neither the Collector nor I were ever contacted. By now, the penalties were beginning to mount up, and I was subject to legal consequences for nonpayment of the taxes.
Finally, on a 3/11/08 call to the escrow department, I was transferred to a supervisor (Jonathon) who said that the problem was that the tax had not been apportioned. (I live on 80 acres, but only 20 is on the mortgage.) I asked him to solve this problem and get the taxes paid. He said he would call the County 2 Collector and find out what the taxes were and get them paid and that CitiMortgage would pay any penalties. He promised a seven-day turnaround. I checked with the
Subsequently, I went to the County 2 Courthouse and visited the
This brings me to the escrow account. I received an escrow account analysis dated February 13, 2009 (Attachment 2), with an escrow surplus check to me of $1943.80 and showing an increase in my escrow payment of $10.57. While this sounds utterly stupid to me, I don’t know the intricacies of deciding an escrow payment. The important thing on this analysis is the item showing that $352.51 was paid in county property taxes. I had already determined from talking to a CitiMortgage representative that this money was paid to County 1, rather than to County 2 where my property is. I think what happened was that the tax bill for the property before my house was finished was paid to the county where my Post Office is. The County 2 Collector tells me that probably what happened is that the County 1 Collector, seeing that the parcel number did not match any County 1 parcel number, sent the payment back to Citimortgage. Be that as it may, I have repeatedly requested that that money be drawn back or found and put back into my escrow account. So far, that has not happened, and I suspect that nothing has been done. This money needs to go toward paying my County 2 taxes. Once again, I request that this money be drawn back or found and put into my escrow account.
I notice from the Internet that CitiMortgage has had trouble with other customers in paying their real estate taxes. I see also on the Internet that there are complaints that CitiMortgage is being bailed out with taxpayer (of which I am one) money, but service to their customers is still faulty. I hope that this letter will help you put things right for me, before I’m forced to move on to other courses of action. One way or the other, I’m going to get some action.
Customer who has run out of patience.
o toward paying my County 2 taxes. Once again, I request that this money be drawn back or found and put into my escrow account.
Sadly, the letter has had no effect.
I really appreciate the helpful comments from everyone. Thank you very much.