we have been in "negotiation" with Citimortgage for 13 months over a loan modification. They have changed the Loan officer four times, make it impossible to have our attorney speak with them, and have ruined our credit. My advice is to file a complaint with the office of the comptroller of the currency. If the OCC receives enough complaints they may act on it. I am wondering why no one has launched a class action law suit. They received the biggest amount of bailout money it is time for them to pay up! read full review »