I have been on the phone and on hold for 2 hours today so far. Citimortage put a $9.95 charge for an optional product on my monthly statement with out my approval or knowledge. I called them to get it removed and was on hold for a long time. They said they could not remove it and I would have to call the insurance comopany and tell them to cancel the insurance. I called the number they gave me and was on hold for an even longer time. when they answered, they said they could not remove it with a customer number or a certificate number. I... read full review »