To Whom it may concern : 2-24-2014

From John Ingram
4041 Bethelview Rd.
Cumming Ga. 30040
678-906-7100
[email protected]


Please review the Tax Bills for 4041 Bethelview Road Cumming Ga. 30040 from 2000 to 2013
My Land value for 2013 is $264,960 or $62,051 per acre
My zoning is OR with a stipulation that any changes to my property must be approved by the zoning board. My back 2.27 acres are un developed with a steep incline.


Please review the tax bills for 4020 - 4040 -4060 John Allyson Drive
Cumming Ga. 30040
Note there land values for 2013 Land Value 30,000 per acre

My back 2.27 acres should be valued no more than $ 15,000 per acre Or ½ the value of the land boarding my property.
The front 2 acres should be at $30,000 per acre .
Totaling No more than $ 94,000

My zoning is OR but my land is less developed than the properties that board mine.
I was forced to change my zoning by the county and even though the previous owner ran a grading business from my location.

Every month I am having to pay over $361.96 in property taxes due to a false erroneous property valuation .

I am under water on my home due to errionus appraisal of my property value Citi Bank should have Identified the fraudulent
appraisal but instead they Inflated my reified appraisal.

I contacted CitiMortgage, my mortage company, regarding the refinancing of our home. I was given a rate and initiated the loan process. Three days later I was offered a better term with my regular bank, so I contacted Citi to cancel the loan application. The Citi rep offered to match the other bank if I would stay with them. I agreed and waited for the new offer from Citi to arrive. After 4 days of waiting, I contacted Citi and was assured everything was still good and that I can proceed with the appraisal. After cancelling my appraisal 2 times, the mortgage consultant assured me that things are just going to be fine and that he'll make sure the appraisal won't be cancelled. The appraisal was completed, but I still didn't received any documents regarding my refinancing from Citi. I contacted the agent again and was told that I will receive the documents within a week. When the docs didn't arrive, I emailed the agent and was informed that he went on a medical leave and to contact his back-up. He then called me while on medical leave and said the docs were returned to his office, but he'll have somebody resend it. When it didn't arrived again, I contacted him but he didn't respond. I sent 3 more emails, made 5 calls to his back-up and didn't get any response. I had my CitiBank branch manager contact CitiMortgage and was finally told that the "matching" offer would not be honored. The "medical leave" agent has been transfered and there's nothing the back up can do. So after one month of waiting, I've lost out on the great mortgage rate and is forced to look for another lender for my refinancing

Citi has failed to send me my refinance papers twice now, They even sent a person to my home to sign the papers and the papers were not here, we both thought the other had the papers. They are just an awful company to do business with and it is costing me money, time and worry. It should not be this hard to get this done. They even charged me twice for 1 month mortgage payment, I finally got it back but I had to put a project on hold because they took the money that was earmarked for lumber. I really think this company should be fined or something for they way they treat people. With all the people out of work right now can't they hire anyone with an IQ of over 89?