AT THE BEGINING OF THE YEAR CITI MORTGAGE SOLD OUR LOAN TO AHMSI----AHMSI SENT ME A LETTER FOR MODIFORCATION. SO I SENT THEM ALL THE PAPER WORK. iT TOOK THEM 4 MONTHS TO GET BACK TO ME WITH A DENIAL. I KEPT UP MY PAYMENTS ALL THE FOUR MONTHS ON THE FOURTH MONTH AFTER I MADE MY PAYMENT ON TIME. THEY REFUNDED MY PAYMENT AND I RECIEVED A LETTER SAYING I WAS 20 DAYS LATE. I CALLED AND HAD TO PAY $16.95 TO PAY MY PAYMENT. I HAVE PUT IN REQUEST TO HAVE LATE FEE AND PHONE IN FEE TAKEN OFF. SENT THEM DOCUMENTATION HOW THEY REFUNDED MY PAYMENT. THEY SAY THEY HAVE NO RECORD. iTS A RIP OFF COMPANY. read full review »