I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies, 
