In XX/XX/XXXX I took out a citi health card for a friend of mine. This card has become nothing but a hassle since I opened it. Citi cards representatives have used the fact that I opened the card for a friend as a point of argument with me at any opportunity ( constantly insisting my friend is the problem, saying she 's not paying the bill ) when from the good payment history on the card, this is obviously not the case. In XX/XX/XXXX the payment of {$79.00} was due on the XXXX as it is every month. My friend paid this bill online ( as she does every month ) and it happened to be on a Sunday. Citi did not process this payment right away, and whenever they finally did, it was returned due to insufficient funds in the account. However, this was not brought to my attention ( the cardholder ) for XXXX days. Conviently enough for them, I 've now racked up a late fee for the month of XXXX & ridiculous interest charges. The agreement that I signed back in XX/XX/XXXX was XXXX months no interest ( they have since denied ever having that offer ). Once I was finally informed about the " missed '' XXXX payment, I did everything they asked. They had no phone number for a resolution department but only gave me a fax number to send the information I had to. The resolution to that was a generic letter in the mail stating that the balance on the card was now at XXXX. I called citi card at least XXXX times in the last week of XXXX and spoke to as many supervisors. Each representative is more ignorant than the last, and I 've never gotten the same answer XXXX from any of them. One of the last supervisors I spoke to ( a woman, whose name I ca n't recall, this is yet another point of argument for them ) informed me that the XXXX payment could be " tacked on '' at the end of the balance of the card ( basically adding another month at the end of the balance. I 've since learned this is not the case ( and have been told by representatives that being a responsible credit card owner this is something I should be aware of, which I am, as I am a responsible credit card owner, which is proved by my payment history ). This is another thing that citi talks down to me about every opportunity they get. I had XXXX supervisor tell me that they could listen to the recorded phone call of that supervisor telling me it was ok to " tack on '' the payment at the end. Yet another supervisor has told me this is not at all possible. Not one person at citi card has ever helped, I 've never gotten any resolution to my complaints, just the same generic letters in the mail. To avoid having to deal with these incompetent people any further I am having the balance transferred to my XXXX XXXX. this is yet ANOTHER problem for citi. When I called to explain to them that XXXX would be transferring the balance, I was told over and over again that, in America, you ca n't pay credit with credit. I was told this so many times that I had to put my phone down for a second so I did n't lose it on the guy. These are the most unprofessional people I have ever experienced. I work in customer service so I 'm all too familiar with how difficult some people can be. I can assure you, until I realized they were not willing to help me, I was a very pleasant cardholder to deal with. But not so much anymore. I 'm in the process of buying a house & this is affecting my credit score. I would love to talk to someone who has absolutely XXXX affiliation with this terrible company, to see if I could finally get some resolution to all of these problems. Thank you.