Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates. 
