Hello all,
I create this post in hopes of advice as I have snooped non-stop in hopes to find a situation similar to mine.
I have been a card member with Citibank/Best Buy since 2014. Up to 2019 of April last year, I have had a flawless credit history with no late payments. At the end of 2018 I experienced some job issues and it kept me tight for most of the early part of 2019.
This resulted in me getting behind in payments with my Citibank/BB card and I could not make the minimum payment they were requesting to bring the account current. As I always do if a problem occurs, I called and spoke to a representative to see if there was a payment amount they would settle for to bring the account current and to also pay off the balance faster. We settled on $150 and the account was also closed. Looking back, I feel like this was my mistake as I never received anything in writing and I was also closing an account that was in fantastic standing. At this point, I just wanted to pay off everything and never be prone to using credit cards again.
I have made every $150 payment we agreed to (auto-pay) and was shocked to see that my account was being charged off and that I have had almost a year and a half of delinquent remarks made on my account. I thought the account was being dealt with and I would also be paying it off sooner than later with the agreed set amount.
To me, I feel like I have gotten duped. I can't even access my online account to review all statements, all documents, or anything. Calling customer service I have not been able to get to anyone.
i would love to settle this with Citibank directly, but also feel like they would not budge. With 5 years of prior outstanding payment history and making the payments agreed upon, I feel like there is reason to see I had a small hiccup, wanted to correct it, and there was a communication error on what was expected and what the payment plan would offer. However, I also feel like if I bring this concern up it will fall on deaf ears and there will be no reasoning.
Is there anyone that has had a similar experience to this? If I can eventually get in touch with Citibank, are my chances of getting this reversed for positive remarks high? Especially if I offer them payment of the supposed "past due amount" that is showing on my report? If not, is there any basis of this situation that could justify as a dispute?
Thanks to all that can help. At my wits end. 
