When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem. 
