Consumer complaint received 2015-08-26
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Delinquent account

Complaint:
I have cut and pasted my e mail to Macy 's which explains the basicissue. I received a XXXX line answer. The posting of this on my creditreport has made my score drop dramatically. I can not believe they do nothave a XXXX time forgiveness, especially when they are partly to blame. 

-- -- -- -- Original Message -- -- -- -- Subject : Response to my XXXX Posting from XXXXFrom : XXXX ; Date : Thu, XXXX XXXX, 2015 XXXX XXXXTo : XXXXXXXXResendingGood Morning, Many Thanks for your quick response to my XXXX posting. 

My account number isAs I explained in my XXXX posting on XXXX XXXX I opted for electronic statements as the hard copy statements never arrived on a regular basis despite my complaining. I was also unable to download pdf versions and your IT department promised to fix this but so far not. I was constantly paying my account by logging in and paying the balance as soon as I seen it, or paid it in store when shopping. On the same day I enrolled as I thought in automatic payment which would really solve all of these problems, however what I actually did was made a XXXX off payment. An honest error on my part and something I was only doing so my payments would always be prompt, ( not that they were n't before ). I has a balance in XXXX that ran over into XXXX because I NEVER RECEIVED A XXXX STATEMENT either in hard form or electronic. I did receive a XXXX statement and paid it immediately as I then realized that I must not be set up for automatic payment. Macy 's listed my account as delinquent and it has now reduced my credit score by XXXX points. It also listed and will stay there for 7 years if you do not correct it. 

All your representatives kept telling was that XXXX statement wen out and it was basically just tough. There manner although no impolite was stand offish and they just kept repeating the same thing over and over again. 
I have spoken to a number of friend who have told me that on the odd occasion that they had forgotten to pay they received a reminder phone call - I never received any call either, as I would have acted immediately. 

I am asking that you first off look at my account record over the last 10 years and you will see perfect payments on time and some times way before due date. Surely this has to count for something and allow this XXXX accidental transgression to be waived. I am small business owner and my credit score is paramount to me maintaining and running my business and this listing could have a devastating affect. I am originally from XXXX, and as such have a large numb r of XXXX on a regular basis. XXXX of the highlights of the trip is always a large shopping expedition to Macy 's at XXXX XXXX XXXX were they spend a lot of time and money and avail of visitor discount. I would hate to have to discontinue these visits as a result of this unfair action you have taken. 

I look forward to hearing from you in due course and hope that common sense will prevail in this instance. 

My contact phone number isMany ThanksRespectfully, XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief