We were making regular payments to Citibank for a HELOC. 
Payments were automated using our bank 's online bill pay system. 
Payments were made every month, on time. 
However, Citibank changed the amount without informing us. 
Then they reported a late payment on the account which severely affected our credit. 
Be the time we were notified, Citibank already reported a late payment the the credit agencies. 
We immediately corrected the amount and brought the account up to date and then asked Citibank to remove the credit report since they did not notify us of the changes in time. 
They denied our request. Our credit score suffered because of this miscommunication. 
