I first received a phone call from Citi's customer service in mid-November 2009 and they claimed I did not make my Nov 1st payment. I verified with my bank that I made the payment on Oct 30th. Citi then recognized the payment but indicated it was not credited to my mortgage because it was $62 short. Apparently my record of paying ahead was of no use. I was short because it was the first month my escrow amount increased for the year and I accidentally paid the same amount I always made. The rep then indicated that they would credit my... read full review »