received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue. 
