I checked my credit score in XX/XX/XXXX and it was in the high XXXX 's. This last week, I was applying for a construction loan and my mortgage loan originator told me my credit score dropped about XXXX points due to a charge-off from Citibank Credit. I had paid off my Citibank Card in XX/XX/XXXX to XXXX balance. Citi at some point in the XXXX tacked on on {$4.00} in interest, but I did not know. They closed my account on XXXX/XXXX/XXXX and did a charge off for the {$4.00} which dramatically affected my credit. I had been a loyal and faithful customer since XX/XX/XXXX but this kind of practice is absolutely absurd. They should have either a ) canceled out the remainning balance on good faith since I 'd been a good customer or b ) notified me that this balance remained so I could quickly pay it off. I need this report to be corrected so that the credit agencies can bring my score back up to the high XXXX 's and I can move forward with this mortgage loan. 
