On May 2003 Paula Stitt at the Citifinancial office in Colonie New York contacted my wife Georgianne offering to refinance our home equity loan it was to be 'on us, no closing costs' as part of a customer appreciation campaign. We decided to do the refinancing and had our closing on July 8, 2003. We left thinking it was a done deal. Then on July 21, 2003 Paula said she couldn't send the mortgage payoff check as she was getting different payoff amounts from Texas. My wife had to call to get the payoff amount, she called... read full review »