I left the country on XXXX XXXX 2015 and returned on XXXX XXXX, XXXX. My son was in charge of paying all my bills during the time I was abroad. All my bills were sent to my address in paper format. Thus, my son would come to my house open my mail and proceed to pay my bills. 
The problem emerged with my Citicard credit card when this credit card company changed-without my permission or knowledge- the billing format from paper to paperless. 
Unbeknownst to my son there were 2 payments that were not payed due to the credit card company 's illegal decision to make the change from paper to paperless. 
While I was XXXX- I had no access to my Citibank credit card internet account, and my son ( nobody else for that matter ) had NO access to my password to this account.. Therefore it is impossible that we would change the format of billing. 
When I got back home to the states, I checked my e-mail and realized what had taken place. I immediately called Citicard and began a chat with one of their agents who admitted that Citicard had changed their form of billing. I also requested that they reverse the late charge fees, as they immediately received my complete payment. They did reverse the late charge, and they received my complete payment. 
Days after I thought that this situation was resolved, since they reversed the late charges and seemingly understood what had taken place, I receive a letter ( copy attached ) stating that due to the 2 late payments, Citibank is decreasing my credit limit. 
I called Citibank as a result of this letter, and after reaching an agent who ca n't help me with this situation, I am assured that a superviso was not available and would call me within 24 to 48 hours. No supervisor from Citicard has called yet. A week has transpired since they promise they would call me back. 
Not only they have decreased my credit limit, they said that they have reported the late payments to the credit reporting agencies. My FICO score has been in the XXXX or higher for years. 
My desired resolution is that Citicard : 1. Restores my credit limit 2. Restores my good credit by clarifying the reason why these payments were late. Citibank CHANGED MY FORM OF BILLING TO PAPERLESS WITHOUT MY KNOWLEDGE OR PERMISSION. 
