Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life. 
