Back in XXXX this year, I scheduled a payment with Citi Card Online banking and on the due date my payment was not taken out by the system and all of a sudden I am immersed in credit card debt, with over the limit fees and interest over the balance and I am not willing to pay. They are ruining my credit. I have another credit card with them in good standing and before this system glitch, I was paying these credit cards. The only other time I had fallen behind payments, was for the same reason, but Citi Card will tell you there 's nothing wrong with their system. But the reality is you ca n't schedule payments to be taken with two weeks in advance, because the system wo n't work. They are ruining my credit and I do n't know what else to do. XXXX, you are my only hope. I have no money to hire a lawyer or take legal action.They are denying this to their teeth without conducting an investigation and checking their own online system. 
