where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did. 
