[sprio]

Citibank is a national bank; their regulator is the Office of the Comptroller of the Currency (OCC). Lending questions for most large institutions, however, are now under the auspices of the Consumer Financial Protection Bureau. Good luck.

When I had questions about how long it was taking for my bank to make a decision on a mortgage, I talked to a regulator at the Fed in Atlanta - she told me that I was technically correct but my complaint wouldn't amount to a hill of beans - she told me that she had the same problem and withdrew her application rather than go through the ***** her bank was putting out. So, if they treat the people who regulate them like crap, how much consideration do you think big banks will give you?