I purchased a home with citibank in XXXX through the FHA program. In XX/XX/XXXX I contacted XXXX XXXX via phone and started a REFI to conventional. While on the phone I had asked about being credited back the upfront mortgage insurance premium because I had only been in the FHA program a matter of months. He told me that would be credited to me at closing. When I received the HUD prior to closing I asked the closer where my refund was. She told me that would come from HUD in XXXX weeks. That I have in email format. I was expecting well over a XXXX dollars back in MIP refund which I have been told by HUD that I do not qualify for because I refinanced into a conventional product and not FHA. I was lied to and mislead. 
