I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys. 
