Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

I did ask my lender ( Citimortgage , Inc. phone - ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in - when they original appraised value of the property of $ -.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. Thank you.