On XXXX XXXX I received an email fro XXXX XXXX that I had a delinquent account. I found out from their web site that the account was with THD/CB, which means The Home Depot / CitiBank. 
Home Depot Credit said the XXXX statement was returned to them by the post office. No attempts were made to contact me at all., I asked why, and the supervisor told me they do n't, legally, have to do it. They said they blocked my account and that if I had gone into the store and tried to charge something I would have known that. I do n't, very often, shop at Home Depot. 
While on the phone with the supervisor I paid the balance of my account, {$130.00}, and figured everything was OK. I asked them to remove the delinquency from my account and they told me they would not do that because it was not the bank 's fault the payment was late.I wonder how long it would have been if XXXX XXXX had not notified me of the problem. 
We spend half the year in XXXX and the other half in XXXX, I always fill out the " change of address '' form at the post office, that rarely works smoothly. But I received and paid my XXXX, XXXX, and XXXX bill from Home Depot Credit. 
I have NO idea why XXXX 's bill was returned to Home Depot Credit, and they wo n't prove to me that it was. 
I have since talked to many of their " supervisors '' as well as all three credit reporting agencies. They have contacted Citi Bank to see if they could change the status of the delinquency, but they refuse saying it was not the banks fault and I should have been paying on that account even though I was NOT receiving any monthly statements. 
I was told by one supervisor that they do n't have time to " chase down '' everybody that 's late paying their bill. Another told me it would take " a skyscraper full of people '' to contact people who have problems with their account. This ca n't be true because 3 yeras ago Sears Credit, also handled by Citi Bank, called me via robot computer and told me to call customer service about my account. I do n't recall what the problem was but it was solved then and there, they said they reach out to their customers as soon as a payment is late. 
I called 4 other credit card companies, and they said the same thing, but not Citi Bank. It seems as though they are just trying to cover up some mistake they made, the did send me a check for the late fees that accrued. 
I now have a " black '' mark on my otherwise perfect credit reports of about 40 years. This is devastating to me because I 'm real proud of my credit history, now it 's messed up because of this mess. 
I 've contacted a Consumer Law attorney to see what my options are and I 'm not going to give up until CitiBank corrects their mistake. 
