Here's a quick followup. I went ahead and called
CW after the Dec 1st date. Turned out my account was flagged but was not Pre-Approved. Essentially I had to give them a bunch of my financial information over the phone and fax in a couple of pay stubs. This was on the 10th. I was told that the account would be reviewed and then I would be contacted. On their website I could see that I would be notified by Dec 29th. So today, I log in and see that the loan modification has been canceled without any reason. Here is the text:
" Your Loan Modification has been canceled from workout servicing. We regret to inform you that the loan did not qualify for a Workout Assistance program. Please be advised that normal collections activities will resume on your loan. Please continue to explore alternative options to bring your account current. If there is any change in your financial situation, please call for reconsideration. Thank you."
Obviously I'm a irked by this sort of response. I guess the next question, is what should I do next? Do I call them and ask for a reason? Or will that send me down a path of even more frustration? I can't help but to feel that the way they collected my information was done way too loosely without too many specifics. Citibank actually has forms you have to fill out.
Thanks!
-Dan