When Citi took my mortgage co. over,I kept the eagle eye on them as making the payments from my escrow account on time. Everything was A+.When we paid the mortgage off ,we were giving a payoff amout including a small processing fee, and in return they notified our homeowners insurance,school and realestate township tax deptartment and the county records dept .They provide step by step info on how and where to send the payoff amount. We did a bank transfer which the fee was $15.00 from our bank and $15.00 fee to citi which we included in the payoff amout. Our escrow was to be returned within 30 days ,they actually return that a week early.We deal mostly with our small county bank in our rural area. But for the big Citi bank,they treated us very pro and were very friendly with effective information. Excellent Transaction CITI AAA+