In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank. 
