Does anybody else suspect their Bankcard (Citi in my case) of not sending a statement?

I NEVER received the statement for a month in which I made substantial charges. I ALWAYS
pay off the bill, in full, every month.

So I get a phone call, from Citi asking why I haven't made a payment?
Well, a$$holes, maybe because I never received the statement?

I have several credit cards, and this is the ONLY one where I've had experience of
not receiving the statement.

Of course, there are late charges and a finance charge. I immediately pay off the bill
and decide to cut up the card. Damned if I'll go through this again.

Guess what I get today? Another statement with $6.53 interest charges for the balance,
before it was paid. I call the company--get India, of course-- and proceed to finally get agreement
to waive the interest. BUT, I won't see the waiver until the next statement. Smelling the opportunity
to charge me interest on unpaid interest, I tell the guy in India, I want to see the reversal in charges
on-line. His statement? It takes 5-7 days for the reversal to show up on-line? I call BULLSHIT!
That puts the date at exactly where I can't make a payment on the interest charges prior to the due date
of the next payment.

Boy, if anybody has Citi cards, cut them up. Now.

Oh, no credit cards either. Paid off the last one months ago. Very freeing.

I'm retired and basically a hermit, so in my situation, don't need one.

Missing statements are a real problem, but I am sure it is also a bullshit excuse for some people and you just know the bank thinks that of ANYONE who claims it.

My youngest son had an account closed for charges outstanding that he never knew about - never got the notices, never got a statement for 4 months - they finally sent a letter saying the account was closed, so they had the address in the system SOMEHOW. When we tried to straighten it out, they said it had been sent to collections and there was nothing they could do - and we haven't ever had a letter or any kind of notice from any collection company either! He is in limbo - can't open another account, can't re-open his old one and no collection notice to straighten out or even pay! (I know he needs to call the bank again and find out WHAT collection company it went to but hard to motivate a young person who is working full time to try to find out how to pay a debt they feel is unjust in the first place!)

month, and I know banks don't like that. They lose money on our accounts.

So I am going to pay close attention and see if Citi tries the same thing on me. It would not shock me in the least.

Good luck dealiing with this issue. It sucks. The "good guys" are next in line to get totally and completely screwed by the financial industry.

3 years ago--they'd just bought it from the company that originated the loan. It was a nightmare
dealing with them--the insurance company tried to buy us off with less than full amount of the loan--
and when that was applied to reducing the loan Citi wouldn't give us new payments on the reduced balance.
It took 6 months--phone calls, letter, e-mails, contact from our lawyer--before I finally filed
a complaint against them with the NC Commissioner of Banks and got a response to deal with my request.

So, yeah, I have history with Citi and I do not trust them.

Another reason I check balances online.

by month, date paid, name of cc, and confirmation number cells

I pay everything online a few days before the first of the month. I know what has and has not been paid that way, its all indexed in one place. The cc companies are constantly trying to get me to do the paperless statements, but I figure they can mail me a bill every month, even tho I pay online.

They were busted for moving due dates around to trick people into paying late just to bump up their charges. They bumped me from 10% to 30% on a card for being one day late--the payment for a year had been on the 7th of the month, and they moved it the 31st of the previous month one time, with no explanation.

Not a good company.

Chase sent it electronically, the amount was debited from my account exactly when it was supposed to be, and Citibank tried to tell me I paid late. When I called them to say that they screwed up because I had an electronic record of the payment being sent and debited on time, they claimed that I should still send my payment 5 business days in advance to make sure it shows up on time. I replied that electronic payments are instantaneous and that was ridiculous. So they said "Okay, this one time we'll remove the late charges but in the future..."

That's when I interrupted and said "No, not 'this one time'...EVERY time you screw up I fully expect you to remove any charges accrued. I will not pay for your mistakes. I pay my bill in full every month by the due date, and I have electronic proof of payment, so do not try to pull this one on me ever again."

I got a "yes, ma'am." and they've never done it again.

I pay my bills electronically through my bank (Chase). So they can no longer claim they sent something they didn't, or claim I never paid when I did. I have an electronic trail of every transaction, every charge and every payment. I highly recommend it. There's no way to prove anything with snail mail unless you send everything certified.

Not going to cut up my Citi card because I get American Airlines miles. I flew my husband and myself to Hawaii first class for his 40th birthday with those miles, and I already have enough for another big trip saved up. That's just too valuable to give up, I just make sure I stay on them so they don't screw me. And of course I pay off the balance every month.

They can blame the postal service.

Pretty soon online statements will be the norm for everything, and those of us who prefer getting paper statements will be charged an extra fee.

Probably because I review it all online just to make sure I do not miss something.

First step was increasing...substantially...the late fees for an overdue book.

Normally, I receive an automated e-mail telling me that my books are coming due soon, and I act accordingly

Last month, that e-mail didn't come, and I had 4 books overdue.

Cost me $4.00, which isn't a lot, but I had the suspicion that the e-mails were deliberately withheld.

3 months no statements
i went online and avoided the late fees by paying there
i was lucky i noticed i had no statement
called them and they claimed they had sent them
told them i would turn it over to AG of florida if they tried that shit one more time
paid em off now i wont do business with them or chase
both crooked bastards