Until last Fri., I was pleased w/Citi. However, recently my car (which I used as collateral on a debt consolidation loan) was involved in an accident.
The insurance company deemed it a total loss, only because the cost of repairs was more than the blue book value, fine.
However, when I took the title to them, and they saw Citi as a lien holder, they contacted them to explain what was going on and asked how to handle, can you believe the branch manager said he didn't know & had to check on it.
I am not in default, why should they get anything? Still no answer.