I have my 2nd mortgage with Citi Mortgage and I spend in extra money each month with instruction to be applied to the prinicpal but each month even after I call to remind them to please put the extra towards the principal these company continue to apply the extra money towards an extra regular payment. This has been going on for 18 months now. These has cost me alot of money due to lost of princpal. I have been paying bills for over 30 years and I have never dealt with a company that is so badly ran. read full review »