I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing. 
