Citibank Mortgage Complaint

Citibank Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Utah

Faxed a written payoff request to CitiBank on -/-/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on -/-/2016. They said because the request was not signed that they would not process the request. Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? Filing this complaint for the borrower - -. I attached the payoff request and the fax delivery confirmation.