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no fee refi, citi took $450 from my escrow
was contacted in 2013 by my current mortgage co. CITIMORTGAGE to do harp refi wit no fees to me, they would pay all refi fees. did refi, paid my new mortgage amount for one month, they tell me my escrow is about $700 short. pay extra $200 into escrow, talked to one their agents he agreed that the $450 would be put back into my escrow. did not happen. ithought by respa rules escrows must be transferred to new loan or refunded to borrower, not stolen as a mystery fee

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