Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on XXXX XXXX to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $ 100 monthly until the account was at a {$0.00} balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment were n't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency. 
