Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX. 
