Citi Mortgage customer service is the worst in the world. You can be transfered to several different people and all are incompetent! After signing up for a loan modification to help us keep our home these Assholes ruined my credit! I had never been late with any of my accounts in the last 12 years and have made my test payments on time. I asked no less than four times if this would adversly affect my credit and was told no, it would show as credit neutral. What a bunch of liars! So, I contested my credit report that was showing 90 days late... read full review »