I refinaced with Citi Mortage and took out money from the equity of my house. They took out money to pay of my propertry taxes up to the end of 2009. Then proceeded to charge me again for those taxes so I was double charged for the taxes. Trying to get to talk to anyone at CiTi is almost impossible. When you do get a human, who is usualy in India they run around in circles because all they have in front of them is you account deatails. They cannot even pull up the original agreement. I recently refinaced with another comapany. And received my last escrow refund, I have no idea how their maths works but it does not add up.

My husband and I bought a condo three years ago and the lender was Citi Mortage. To give a little background I worked full time as a therapist and my husband worked as an analyst during the day and worked towards his MBA in the evenings. Our sitution changed after the birth of our lovely daughter a year ago and I made the choice to be a stay at home mom. My husband got laid off and that begun our financial challenges. For a year we stuggled (unemployment and student loans) but paid our moratge, never missed a month. The ONLY problem was CITI MORTAGE was getting our payments three days later than their grace period and that was a problem for them. We started to incur late charges and at that point I called them to talk about our options. I asked them if it was possible to give us three days extra to make the payments. I told them how we struggled BUT Never missed a mortage payment. I told them about our infant, financial obligations and how we were living off student loans and unemployment. They did not Care. They told us our options were to continue paying late and CONTINUE to incur late fees OR they will give us a break BUT will have to report us to the credit Bureau & that would affect Negatively on our Ceredit ! So in other words continue to pay us late fees or we can help you at a cost.

NEVER EVER GO with CITI Mortage, Never Bank with CITIBANK. Its funny how the banks got a break from the Government but we the people get NO Breaks !