First of all, I sincerely XXXXX XXXXX you have explained the entire issue so nicely and in lucid manner and it is extremely well defined now.
I understand that due to the above referred explanation, you are making payments of almost over 10% more and you are being put to financial loss.
Please note that you are a typical victim of a hard skinned financial / lending institution who consider themselves as doing a favor to the borrowers like you and this is a clear cut case of negligence and deficiency in services. I advice you as under:
First of all, either by yourself or by taking anyone's assistance, send a Certified Letter to the CITI stating everything as precisely as you have done here, and demand a rectification to your issue within a stipulated time frame, say for example 15 days. State in no unclear terms in writing that you are being put at a financial loss and failing any reply from their side, you would consider all available legal options.
There are bright chances that your matter should get resolved through such communication threatening damages and legal action. However, if not, you may take this matter for arbitration at http://www.adrforum.com/ as they take up similar cases. You may reach out to them at National Arbitration Forum P.O. Box 50191 Minneapolis, MNNNN-NN-NNNNbr/>USA
Email:XXX@XXXXXX.XXXWebsite: www.adrforum.com Telephone:(NNN) NNN-NNNN or toll-free(NNN) NNN-NNNNFax:(NNN) NNN-NNNN or toll-free(NNN) NNN-NNNN/p>
I am suggesting the arbitration route because the facts of the matter are very much in your favor and also, this is a cheaper route than going in for a litigation. If you feel so, you may also get your local attorney serve them a legal notice for damages. But arbitration is favored as it is a cheaper route to take.
In short, you will have to show some aggression in dealing with such hard skinned companies.
I am sure this would help..Wish you good luck...