I've been receiving calls from Citi numbers all week, at all sorts of odd hours. I'm a college student and I have just started school again after taking a year off, during which time I handled my responsibilities and paid my student loans on time with the little money I was making. This evening I answered the phone and for once waited through the "please hold for an important message" and silence (which I had thought was a telemarketer until I Googled the number). Once a real human came on the line, she tried to explain to me... read full review »