Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Texas

Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by - last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ - in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. I am just a tick below 80 %, how and why are they legally denying me?