I applied for a Loan Modification through CitiMortgage in May 2009. The new lower (TRIAL) loan amount was deducted from my checking account the 1st of each month. I receive a letter on December 15, 2009 stating that I was declined the modification because I make too much money. I then find out that CitiMortgage never notified me to revert the payments starting in September to the original loan amount. The "partial payments" they were receiving were never posted to my account and I was reported as being past due to the credit bureau... read full review »