I tried CitiBank and they are just a bunch of rude, @$$holes that could not communicate. I was denied because "they never got a letter that they never requested from me" exact quote from Winie the Supervisor (Operator code #SE009). So I am looking for another, creditable company to consolidate with. I see that many of the large banks are pulling out of this practice. So if you have consolidated let me know who you used and how happy you were with their service.