Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan. 
