In October 2010 I received an Escrow Account Disclosure Statement that claimed my starting balance as of October 2010 was negative $29.XX. I contacted citimortgage at least 5 times about this issue now and never received a response that adequately explains this negative starting balance. I received a letter stating "Per our records, your escrow balance was $24.XX after the October 2010 payment was received. However, the projected payments of $26.XX and $26.XX for Private Mortgage Insurance (PMI) due for September 2010 and October 2010 were... read full review »