Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I am disputing the late reporting 's on my credit report from Citi Bank. These reporting 's should not be listed on my credit because this is an error that Citi Bank has made, in not sending me a bill in the mail and if they were not sending me a bill, I should not be held liable for not making the payments on time. Here is my account of what has occurred, with a little bit of backstory : I started my own business. I opened a Citi Credit Card to purchase a few small items that I needed, since the card had a no APR for, I believe it was XXXX or 18 months. My wife handles all the bills, so as the bills came in the mail, she wrote a check and put it in the mail for the payment. As anyone now days does, we receive tons of bills in the mail and neither of us has a list somewhere of what bills come in and which ones have been paid for the month. We are under the assumption that if a company wants to be paid, they will send us a statement/bill in the mail so that we know that they need to be paid. 
So when we stopped receiving the Citi Card statement/bills in the mail, neither of us noticed. And at this point in time, I had not set up an online account for my card. I had no need to. I only planned on my wife making the payments thought the mail as the statements arrived. So the only method of payment I had was to receive the statement/bill in the mail and send in the bill with a check. 
I would also like to point out that I said that I had recently started by own business and when I applied for a business license apparently my phone number was then listed EVERYWHERE for whomever wanted to call and try to sell me things. So my phone started ringing multiple times an hour ( as early as XXXX to XXXX and XXXX at night ). Since my small business was just myself and the phone number listed was my personal number, I did not have time to answer all of these phone calls and listen to someone give me a sales pitch for XXXX minutes about whatever water services, graphic design services, or other service that they wanted me to pay them for. 
So I stopped answering my phone completely, unless the person calling was in my phone book and I saw their name on my phone. At that point I was still listening to the voice mails, but then after I had over XXXX in a one week period I started just deleting them without listening to them. It was too much and I did not know how to get people to stop calling me. One night a number had called me multiple times and it was at like XXXX at night and it upset my wife, so she answered the phone. It was an automated service calling to say that my Citi Card was overdue and I needed to call them as soon as possible. 
My wife and I were so confused. I tried to call the number back, but after being on hold over 30 minutes, I hung up. I talked with my wife and she said that she honestly could not remember the last time that a bill had come in for the Citi Card and she said that she honestly did not even think about it. She said that she did not even realize it until now. But she did say that I still received a Citi Card credit card offer in the mail at least once a week that she shreds and throws away. 
So I called Citi Bank back multiple times waiting over 30 minutes each time and finally hanging up. I continued to receive the phone calls but they were all when I was working and I was unable to answer the phone. The ones at night were automated services telling me to call them back ( not sure if they were automated during the day as well. I finally got someone on the phone and told them about the phone calls and that I was not receiving any statements/bills in the mail. The person told me that my account showed that they were being sent to me and they did not know why I was not receiving them. He said that I should create an online account and try to pay that way. 
So the next day I created an online account, an