We did a refinance for a better interest rate with Ameriquest, and they sold our mortgage to Citifinancial. It has been a total nightmare ever since. Every year our escrow is short. I make up the shortage with coupons and separate payments for escrow only. They never apply the shortage, and now I am delinquent for $31.19 and they reported it on my credit. It is their mistake, but we pay.
I have talked to numerous people, many of whom speak very limited English, to no avail. They paid my property taxes late last year, and this reflects on me. Customer service is nonexistent with this company. If we conducted our business this way, we would have no customers at all. Please God let us afford to refinance with Countrywide. We did receive excellent customer service with them.
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