Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress. 
