We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company. 
