In January we were informed that our mortage was late. After the shock wore off, we researched the problem. We had just started paying online and messed up our accounts. We thought we made two payments, one to our mortage and one to our second mortage. In fact, we made both to our second mortage. We informed Citi of our mistake and said we would make one and a half payments for the next two months and then we would be caught up. They said it would affect our credit, we didn't have a credit cards "the reason for a second mortage."... read full review »