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So I had a Line of Credit second mortgage with Citibank. After ten years you can not borrow on it any more.

Well they stopped letting us borrow on it after a year. We set up auto pay from our checking account so we would never be late. When the loan reached ten years the payment went way up. We continued to make the lower payment because we were not notified that the payment went up .

We showed lated payments on our credit report for almost an entire year and now we can not get a mortgage on another house because of it. We never missed a payment. We were just not making a large enough payment.

They refused to help us fix our credit. What a bunch of idiots.

Product or Service Mentioned: Citibank Home Equity Loan.

Reason of review: Problems with payment.

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