We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed. 
