Report: #516366

Complaint Review: CitiMortgage

  • Submitted: Wed, October 28, 2009
  • Updated: Mon, January 11, 2010
  • Reported By: jagbhola — San Diego California USA
  • CitiMortgage
    1000 Technology
    O'Fallon, Missouri
    United States of America

CitiMortgage Unfair Fee O'Fallon, Missouri

*General Comment: Please Read

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I have been making payment on my adjustable rate CitiMortgage  loan number XXXXXX for the last 22 years. I never missed a payment. The loan payment was agreed to be drafted from my checking account on 10th every month. This arrangement of making monthly payment by drafting my checking account on 10th was entered into with the previous loan servicer, 1st Nationwide Mortgage (FNMC), & continued after FNMC merged with CitiMortgage in 2003.


A recent audit of my payments discovered that for the last 2 years CitiMortgage has been charging me undisclosed $10 drafting fee every month. I did not agree to any fee for this EZ payment by drafting my account on 10th. In response to my inquiry, I learnt from CitiMortgage customer service that a mass mailing was sent out to all CitiMortgage clients that effective August 2007 such service fee will be applied to all accounts that the payment was drafted after 9th.  I did not get any such notification & I was not aware of any such change otherwise I would have agreed to debit my account a day earlier on 9th instead of 10th.  Any notification to the change in terms of monthly payment should have required my acknowledgment.


The CitiMortgage customer service refused to refund the unfairly charged fee. A letter written to the CitiMortgage has not been acknowledged. A certified letter to the CitiMortgage President has been returned to the sender.

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This report was posted on Ripoff Report on 10/28/2009 02:14 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Please Read

AUTHOR: Clomc - (U.S.A.)

The EZ Pay Company is a third party outside of Citi.  They take money out of your account and electronical wire it to Citi.

The EZ Pay Company doesn't work for free, they charge you the $10 not Citi.

Next time you sign up for something, you may want to read the small print too.

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