Citibank Credit Card Complaint

Citibank Credit card department,

Customer service / Customer relations Georgia

I am a Macy 's consumer store card holder and was recently reported to the credit bureau as - days past due. The initial late payment dated back to - however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed - explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from -, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from - stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably


with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance $280.00 now instead of the $180.00 I was paying prior to missing - payment? I emailed -, -, and - in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of -, -, and -. - advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?