Citi added insurance to my loan even though I had provided proof of insurance. This raised my payment so even though I was paying my regular payment every month, they counted it as short paid. 9 months later, I am still fighting with them to get my account straightened out. They finally took the insurance off but credited it back to my premium instead of applying it to my past payments. I have been called 4-5 times a day for months, can't get anyone to review my account and have been reported negatively 4 times. DON'T USE CITI IF YOU HAVE OTHER OPTIONS!!! This loan was supposed to help build my credit and it has ruined my score.