We have a mortage with Citi, with an equity in our home of $48K, have never missed a payment, great credit score. I called them to check on a $10 line of credit, when John goes into this sales pitch of "refinance, no problem, give me the info and we'll get started, close in about 30 days." The endless paper work was never right, no one answers your phone messages, but they did sent out an appaiser and changed $470 none-refundable loan processing fee to my credit card, then denied the loan after 72 days. This is not a bank that... read full review »