I have had similiar problems with CitiMortgage. I am current with my mortgage payment. I use money orders and I have all my reciepts. When they started sending default notices, I contacted them noting that fact. I first requested a refinance of my mortgage, since the interest rates had dropped, which they refused. They directed me to loss mitigation as if I was behind. I kept telling them that I was current. They sent me paperwork from loss mitigation and I filled it out. I thought this had something to do with getting a lower interest rate. I... read full review »