I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late! 
