Grace Harris has lived in her Hyde Park condo for 33 years.
She has never missed a mortgage payment. She has never even been late, she said.
So it was a bit of a shock when she received a letter in late November from her mortgage lender, Citi, telling her it had denied her request for a short sale.
"I've never requested a short sale," Harris said. "I don't even know what that is. I'm not trying to sell my property. I'll own it in four years."
Worried that someone had fraudulently requested a sale of her home, Harris went to the nearest Citi office and asked what was going on.
A Citi representative told her not to worry, she was in good standing.
"He said, 'Maybe you accidentally hit a key on your computer,'" Harris said. "I said, 'I don't have a computer.'"
Concerned about identity theft, she requested a letter from Citi saying the first letter had been sent in error.
"He said, 'We don't do that,'" Harris said.
Frustrated, she went home.
In the weeks that followed, the letters kept coming — five in all. Each said that Citi mortgage was trying to contact her about avoiding foreclosure.
"We have made several attempts both by phone and by mail to contact you," said a letter dated Dec. 5. It was signed by the same man she had spoken to Dec. 2 at the Citi branch office, Harris said.
She called Citi in mid-December and was routed to a representative in Arizona.
"She said, 'I've pulled your credit and your credit is flawless,'" Harris said.
Again, she asked for a letter from Citi to this effect. Again, she was told no.
The last letter Harris received from Citi, on Dec. 14, said, "Based on the information you provided, you are ineligible for a foreclosure prevention treatment."
Flummoxed, she sent a letter to What's Your Problem?
"I'm totally upset about this," she said. "This doesn't make a bit of sense to me."
Harris said Citi had no problem sending her erroneous letters about her condo being at risk of foreclosure, but refused to send a letter saying there was no problem.
Her biggest concern, she said, was that there would be some unforeseen ramifications. Without a letter from Citi clearing things up, she might have no proof that her mortgage is in good standing.