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Oct 28, 2020 by |

California and San Francisco Consumer Attorney: Citi Mortgage Interest Overcharges

ATTORNEY NEWSLETTER

Do You Have A Mortgage With Citibank?

Are You Paying More Interest Than You Should Be?

Mortgage interest rates are set in the terms of your home mortgage but those interest rate terms are subject to federal and State law.  Those laws in turn require certain disclosures and set statutory limits.  Those laws also demand that consumers be treated fairly by lenders, including in setting interest rates, without discrimination on the basis of race, color, national origin, and/or sex.  See Fair Housing Act, 42 U.S.C. § 3601-19 and Truth in Lending Act, 15 U.S.C. § 1601 et seq. (federal mortgage consumer protection); California Fair Employment and Housing Act, Cal. Gov’t Code §§ 12900-12996 and California Residential Mortgage Financing Act, Cal. Fin. Code § 50000 et seq. (California mortgage consumer protection).  If you believe your lender is charging you too much interest or has violated any of these consumer protection laws, the attorneys at Evans Law Firm, Inc. may be able to help.[1]  Call us today at (415)441-8669.

One of the largest issuers of residential mortgages to consumers in California is Citibank, which markets its mortgage services as Citi® or CitiMortgage, Inc.  Citibank, like all national banks, is governed by consumer protection laws in connection with its residential mortgage services it offers under its Citi® or CitiMortage tradename and subsidiary.  Citi, and all mortgage lenders, must follow federal and California law when setting and charging interest under the residential mortgages they offer consumers here in California.

Our attorneys can review your original mortgage and loan servicing records to help you determine if all applicable laws and regulations have been followed.   Our lawyers can advise you about the rights you have as a residential mortgage customer of Citi or any other lender under federal and State law.  Federal and California law offer broad remedies to consumers injured for violations of any applicable laws, and our lawyers will pursue all remedies you may be entitled to. 

Contact Us

If you believe you may have been charged higher interest on your mortgage by Citi or any other lender here in California, contact Ingrid M. Evans and the other Evans Law Firm consumer attorneys at (415) 441-8669, or by email at <a href=”mailto:info@evanslaw.com”>info@evanslaw.com</a>.  

[1] Evans Law Firm does not handle mortgage modification cases or foreclosures.

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