In XX/XX/XXXX, I discovered my Citibank card had been hacked. I went online to pay my bill, and discovered a huge balance. I called immediately. I was told the account would be closed and I needed to pay the balance in full, including recent charges that had not shown up on a statement yet. I paid in full the amount I was given. The account was closed and a new one opened. 
I received a statement for the new account with a balance of $ XXXX, although I had not used the account since I had paid it off. I called many, many times to try to find out where the balance came from - no one could give me an answer. Month after month after month I received harassing phone calls and letters, and they continued to send me statements with late fees and interest. I refused to pay until they could tell me where the original balance came from. Long story short, it took from XX/XX/XXXX to XX/XX/XXXX, with much correspondence with the XXXX ( complaint # XXXX ), for them to FINALLY show me what the charge was for. Turns out the charge was legitimately mine - I was told it hit the old account the same night it was closed, thus did not show up when I was given my final balance, but did carry over to the new account. I had no problem whatsoever paying the $ XXXX ( and did so immediately ), but no way was I going to pay late fees and interest when it was them that could not provide the information I needed to begin with. They did remove the interest and late fees as a 'courtesy '. 
I later discovered when I checked my credit score online that they have dinged my other-than-this-perfect credit report with a 'missed payment '. I have appealed to them XXXX to have it removed, but they claim since it was not a 'bank error ' the ding remains. My stance is while they may not consider it their 'error ', it certainly was their inability/unwillingness to provide the information I required for ten months that caused all this, and is absolutely in no way, shape, or form the result of any fault on my part. Quite the opposite - I tried for almost a year to resolve the issue with no cooperation whatsoever from them, only harassment. 
Thank you for your help with this matter. 
