- Had to get a new account last year ( 2014 ) due to fraud. 
- I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. 
- XXXX month after closing my account and being sure that all my automatic payments, etc., had been updated, I went to a Citibank branch to close the account. 
- I explicitly asked if my ability to repay the balance on the line of credit would be affected, and was told, definitively, " No, it would not. " - The automatic payments that I had setup in those XXXX months from new account stopped processing because the line of credit was closed. 
- When I realized, I called the bank and tried to setup automatic payments again. I was told that they were setup, and I had a XXXX late fees taken back by the bank. 
- Months later, I got a notice stating that I had missed XXXX payments in a row ( did not receive intermittent letters before then ) ; I had n't noticed because ( 1 ) I was told that automatic payments had been setup, and ( 2 ) I no longer have access to the account online so could not check to see if payments were being made, and ( 3 ) did not get a notice from the bank until XXXX payments were missed. I tried to have these late payments taken back, but was denied. 
- It was at this time that I spoke to the collections dept, and was able to negotiate an agreement whereby I made XXXX specific monthly payments that we set up on the spot, and then I would have my account brought back to current, and then I could go about making regular payments again. 
- While paying the debt-collection payments setup by the bank over the phone, i continued to receive late payment charges, even though I was paying EXACTLY according to the plan they setup ( there was literally no other option without me calling to cancel, which did not happen ). 
- Tried to get those late charges taken back, and was denied, despite the fact that it was clearly the bank 's fault. 

This has affected the amount of interest I 'm being charged, my overall balance due to late fees, and my credit score. I would sincerely like to change banks, but the switching costs are prohibitive due to my affected credit score, and my worry that I will not be able to make payments on the closed account with a non-Citibank account. 
